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Vehicle • Sport Vehicle • Boat • Overdraft • Personal • Secured
Unsecured • Home Equity • Visa • Savings Accounts/IRA/CD'S/IRA CD'S
CREDIT SCORING
We now base loan approval and interest rate on credit score. The rates shown here are our standard rates that could be adjusted per applicant. Please contact the credit union for details.
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Current New Auto/Motorcycle Loan Rates |
| Interest Rate |
APR |
Months |
| 3.79% |
3.79% |
12 |
| 3.99% |
3.99% |
24 |
| 4.49% |
4.49% |
36 |
| 4.69% |
4.69% |
48 |
| 4.99% |
4.99% |
60 |
| 5.49% |
5.49% |
72 |
We will refinance new vehicles/motorcycles from another institution within 12 months of purchase. |
 
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Current Used Auto/Motorcycle Loan 2010-2006 Rates |
| Interest Rate |
APR |
Months |
| 3.99% |
3.99% |
12 |
| 4.49% |
4.49% |
24 |
| 4.99% |
4.99% |
36 |
| 5.39% |
5.39% |
48 |
| 5.79% |
5.79% |
60 | |
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Current Used Auto/Motorcycle Loan 2005-2003 Rates |
| Interest Rate |
APR |
Months |
| 6.99% |
6.99% |
12 to 48 | |
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Current Used Auto/Motorcycle Loan 2002 and older Rates |
| Interest Rate |
APR |
Months |
| 9.49% |
9.49% |
12 to 36 | |
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Current New Power Sport Vehicle Rates |
| Interest Rate |
APR |
Months |
| 6.99% |
6.99% |
12 to 48 | |
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Current Used Power Sport Vehicle Rates |
| Interest Rate |
APR |
Months |
| 7.99% |
7.99% |
12 to 48 | |
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Current Snowmobiles-New or Used Rates |
| Interest Rate |
APR |
Months |
| 10.99% |
10.99% |
12 to 36 | *Proof of purchase is required |
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Current New Boat and Camper Loan Rates |
| Interest Rate |
APR |
Months |
| 3.99% |
3.99% |
12 |
| 4.99% |
4.99% |
24 |
| 5.79% |
5.79% |
36 |
| 6.49% |
6.49% |
48 |
| 6.79% |
6.79% |
60 |
| 7.79% |
7.79% |
120 |
| 7.99% |
7.99% |
144 | (Note: 120 & 144 mos. Only available on loans over $20,000.00)
** A Marine Survey is required on:
a) Boats 10 years and older over $20,000
b) Any used boat over blue book value
c) Any wood boat used as collateral regardless of age or amount |
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Current Used Boat and Camper Loan Rates |
| Interest Rate |
APR |
Months |
| 3.99% |
3.99% |
12 |
| 4.99% |
4.99% |
24 |
| 5.99% |
5.99% |
36 |
| 6.79% |
6.79% |
48 |
| 7.29% |
7.29% |
60 |
| 8.29% |
8.29% |
120 | 120 available on loans over $20,000.00
** A Marine Survey is required on:
a) Boats 10 years and older over $20,000
b) Any used boat over blue book value
c) Any wood boat used as collateral regardless of age or amount |
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Current Line-of-Credit/Overdraft Protection Rates |
| Interest Rate |
APR |
Months |
| 15.00% |
15.00% |
Revolving | |
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Current *UNSECURED LOAN* Rates
$750.00 - $3000.00 |
| Interest Rate |
APR |
Months |
| 8.99% |
8.99% |
12 months |
| 9.99% |
9.99% |
24 months |
| 10.49% |
10.49% |
36 months | |
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Current Shares Secured Loan Rates |
| Interest Rate |
APR |
Months |
| 4.50% |
4.50% |
12-60 | |
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Current Unsecured Over $3,000.00 (Bill Consolidation) Rates |
| Interest Rate |
APR |
Months |
| 12.99% |
12.99% |
12-36 | **Maximum total unsecured loan limit per person is based on credit score. |
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Current Home Improvement Loan Rates |
| Interest Rate |
APR |
Months |
| 11.99% |
11.99% |
12-36 | |
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Current Home Equity Loan (Closed End) Rates |
| Interest Rate |
APR |
Months |
| 5.49% |
5.49% |
12-60 |
| 6.49% |
6.49% |
61-180 | 0! |
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Current Variable - Home Equity Line-of-Credit Rates |
| Interest Rate |
APR |
Months |
| 5.00% |
5.00% |
Line of Credit | |
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Current VISA Classic Rates |
| Interest Rate |
APR |
Months |
| 11.88% |
11.88% |
| Fixed rate and no annual fees! |
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Current VISA Platinum Rates |
| Interest Rate |
APR |
Months |
| 8.88% |
8.88% |
| Low fixed rate, no annual fee and an amazing points program! |
Savings Accounts/CD's/IRA
| Account |
Interest Rate |
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Regular Shares
Special Savings Account
Balance
$1000.00-$49,999.99
$50,000.00-$99,999.99
$100,000.00 & Above
Premier Checking
IRA Savings |
0.16% APY
.40% APY
.60% APY
.80% APY
.25% APY
1.26% APY |
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Certificates of Deposit
Term (Minimum of $1000.00)
30 Day *Jumbo CD* (Minimum Deposit $100,000.00)
90 Day *Jumbo CD* (Minimum Deposit $100,000.00)
6 Month
7 Month *Super Saver CD*
12 Month
18 Month
24 Month
36 Month
48 Month |
RATE APY
.15% .15%
.20% .20%
.55% .55%
1.01% 1.01%
1.05% 1.05%
1.10% 1.10%
1.30% 1.31% AVA
2.01% 2.02% AVA
2.20% 2.22% AVA |
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IRA Certificates of Deposit
12 Month
24 Month
36 Month
48 Month
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RATE APY
1.05% 1.05%
1.30% 1.31% AVA
2.01% 2.02% AVA
2.20% 2.22% AVA
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Previous quarter dividends located in the newsletter tab.
*Effective April 1, 2006 NCUA increased share insurance limits for retirement accounts to $250,000. ie: Traditional and Roth IRA's
*The NCUA currently insures all shares up to $250,000.00
Click Here to Apply Online • Calculate Your Payment • View Our Disclosures
Rates effective as of June 23, 2010• Subject to change without notice
Metro Shores Credit Union abides by the Equal Credit Opportunity Act (ECOA)
Metro Shores Credit Union
2360 West Jefferson
Trenton, Michigan
48183
(734) 676-8666
Fax: (734) 676-5759
info@metroshores.org
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