Line of Credit Loans
Type	Term	APR* as low as
Variable	None	11.00%

Initial rate may change. Contact MSGCU for most current rate. Variable rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 18%.

Signature Loans
Type	Term	APR* as low as
Fixed	Up to 60 months	11.95%

Example: A loan amount of $5,000 at 11.95% for 60 months would have a monthly payment of $111.10.

New and Used Vehicle Loans
Type	Term	APR* as low as
Fixed	Up to 60 months	4.49%
Fixed	Up to 72 Months	5.24%
Fixed	Up to 84 months for amounts over $25,000	5.74%

*Annual Percentage Rate with Direct Deposit and Automatic Payments. Rates based on term, credit and collateral (contact Credit Union for details).

Example: A loan amount of $20,000 at 4.49% for 60 months would have a monthly payment of $372.77.

Recreational Vehicle Loans
Type	Term	APR* as low as
Fixed	Up to 60 months	5.99%
Fixed	Up to 72 months	6.74%
Fixed	Up to 84 months for amounts over $25,000	7.24%
Fixed	Up to 120 months for amounts over $25,000	6.24%**
Fixed	Up to 180 months for amounts over $50,000	6.49%**

*Annual Percentage Rate with Direct Deposit and Automatic Payments. Rates based on term, credit and collateral (contact Credit Union for details). **Loan to Value up to 80%.

Example: A loan amount of $20,000 at 5.99% for 60 months would have a monthly payment of $386.56.

Home Equity Line of Credit
Type	Term	APR* as low as
Variable	10 year draw period; 10 year repayment	4.75%*

Initial rate may change. Contact MSGCU for most current rate. Variable rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 18%.

Home Equity Loans
Type	Term	APR* as low as
Fixed	1 - 15 Years	7.00%*

Example: A loan amount of $50,000 at 7.00% for 180 months would have an approximate monthly payment of $449.41.

*APR refers to Annual Percentage Rate

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