OUR RATES

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7.9% for $5000 up to 36 Months (Subject to Approval)


Call Credit Union for current rates 800-344-5262


Mountain Heritage Federal Credit Union offers a wide variety of loans, including home, auto, and personal loans. Loan rates change periodically, so be sure to check in and see what YOUR credit union can do for you. Want to know what your payment might be? Check out our loan calculator.

Rates effective as of September 28, 2017. Rates can change without prior notice.

Vehicle loans NEW

Term in months

Rates

fees, and extended warranties
Limited to purchase price, taxes

24 or 36
48
60

5.50% - 11.50% APR
6.00% - 12.00% APR
6.25% - 12.25% APR

for amounts over $23,000

72

7.40% - 13.40% APR

for amounts over $40,000

84

9.00% - 15.00% APR

Vehicle loans USED

(100% of NADA Retail)

If car is older than 5 years the longest term is 48 months

If car is older than 6 years the longest term is 36 months

24 or 36
48
60

6.00% - 12.00% APR
6.25% - 12.25% APR||
6.75% - 12.75% APR

Share Secured(Shares)
minimum rate is 6% APY

3% above dividend rate attime of disbursement

Shares Secured (CertificateAccounts)
minimum rate is 6% APY

3% above dividend rate attime of disbursement

Motorcycles (New)

60

8.00% - 14.00% apr

(Used)

60

8.50% - 14.50% apr

RV's, Boats (New)

60

8.00% - 14.00% apr

(amounts over $20,000)

66

8.50% - 14.50% apr

(amounts over $25,000)

72

9.00% - 15.00% apr

(amounts over $35,000)

84

9.50% - 15.50% apr

(Used)

60

9.00% - 15.00% apr

72

9.50% - 15.50% apr

Motor Homes (New)

120

7.75% - 11.25% apr

(Used) if over 15 yrs old maximum term 15 yrs

96

8.75% - 15.75% apr

Farm Equipment (New)

120

8.00% - 14.00% apr

(Used)

60

9.00% - 15.00% apr

Signature Loans

60

12.00% - 18.00% apr

*APR = Annual Percentage Rate

Savings

Minimum Balance

Dividend/ Interest Rate%

APY*

Shares

$5.00

.10%

.01%

Share Draft (Checking)

N/A

N/A

Club Account (Christmas & Vacation)

.35%

.35%

IRA

.75%

.75%

Money Market Accounts-- Free Checks
Limited to 3 check withdrawals a month
If you write more than 3 checks a fee of $20.00 per check
will be charged. If drops below $1,000.00 no dividends will be paid for that month.

$1,000.00
$10,000.00

.20%
.50%

.20%
.50%


Substantial Penalty for Early Withdrawals


Effective September 28, 2017

Certificates

Minimum Deposit

Dividend/ Interest Rate

Term

APY*

6 month

$500

.60%

6 month

.60%

12 month

$500

.75%

12 month

.75%

24 month

$500

1.00%

24 month

1.00%

36 month

$500

1.20%

36 month

1.21%

48 month

$500

1.5%

48 month

1.51%

60 month

$500

1.75%

60 month

1.76%