Loan Rates - Midwest Carpenters and Millwrights FCU

Effective date March 21, 2016

Classic VISA Credit Card

10.9% APR

No Annual Fee

25 day grace

Specific Finance Charges / Periodic Rates / Billing Rights are explained on monthly billing cycle statement

VISA Gold Credit Card

9.9% APR

No Annual Fee

Reward Program

Specific Finance Charges / Periodic Rates / Billing Rights are explained on monthly billing cycle statement

Personal Loans

Up to 72 Months

15.00% APR

New Vehicles/Motorcycles (2016 - 2017)

APR on new purchase / refinanced vehicles is based on member credit score as follows:
2.24% APR	Credit scores 700-850	for up to 72 months
2.99% APR	Credit scores 660-699	for up to 72 months
3.99% APR	Credit scores 620-659	for up to 72 months
4.99% APR	All other scores approved by loan officers
Free Quotes for Mechanical Breakdown Warranty Protection

84 month financing available @ 50 Bp’s higher APR and/or GAP Coverage

Used Vehicles/Motorcycles

2016 - 2012	4.99% APR	up to 60 Months*
2011 - 2010	6.49% APR	up to 48 Months*
2009 - 2007	7.50% APR	up to 42 Months*
2006 & Older	9.75% APR	up to 36 Months*
Free Extended Warranty Quote

* Internal debt refinancing and buy-downs available. Some restrictions apply. Rates Available On New Purchase or Refinance. Rates are subject to change, effective Immediately.

Share Pledged Loan (Best Loan Program)

3.50% APR	based on Savings
4.00% APR	based on Certificates

Debt Protection Insurance / Life and Disability Insurance available to all Loans is provided by Credit Union and is not underwritten or guaranteed by NCUA.