Loan Rates

Auto Rates

Product
Term (months)
APR (As low as)
Product Auto Loan Model Year 2012 - 2017
Term (months) 12 to 72
APR (As low as) 1.74%
Product Auto Loan Model Year 2006-2011
Term (months) 12 to 72
APR (As low as) 3.74%
APR is Annual Percentage Rate.  The lowest rate is the advertised rate.  Rate can vary based on creditworthiness and terms of the loan. Payment example:60 monthly payments of $17.86 per $1,000 borrowed at 2.74%APR. All rates subject change without notice and are subject to credit approval. 

Visa Credit Card Rates

Product
Term
APR (as low as)
Product Visa Credit Card
Term Revolving
APR (as low as) 10.99%
Product Visa Credit Card with Rewards
Term Revolving
APR (as low as) 12.99%
Product Introductory APR
Term 15 mos
APR (as low as) 0%
View details about our Visa 0% Introductory APR offer on purchases and balance transfers.  

The lowest rate is the advertised rate and can vary based on creditworthiness.  Please refer to the Visa Application Disclosure and Visa Credit Card Agreement for complete details. 

Home Equity Rates

Product
Term (months)
APR (as low as)
Product Home Equity Line of Credit
Term (months) Revolving
APR (as low as) 4.25%
Product 5 Yr. Home Equity Fixed Rate
Term (months) 12-60
APR (as low as) 4.99%
Product 10 Yr. Home Equity Fixed Rate
Term (months) 61-120
APR (as low as) 5.49%
All Meadows Home Equity Loans and Home Equity Lines of Credit: APR is Annual Percentage Rate.  The lowest rate is the advertised. Rate can vary based on creditworthiness and terms of the loan. Home Equity services available for Illinois properties only and property insurance is required.   All rates subject to change without notice and are subject to credit approval and program guidelines. Always consult your tax adviser about the deductibility of interest.  Meadows Credit Union pays all closing costs. If you terminate the loan within 36 months of opening it, you will be required to pay an Early Closure Fee of $300.00. 

Home Equity Fixed Rate Payment Example:
120 monthly payments of $10.86 per $1,000 borrowed at 5.49%APR

Home Equity Line of Credit terms: During the initial 9 months of your loan you will receive a fixed Promotional Introductory Rate ranging from 2.49% APR to 5.24% APR.   After the 9 month promotional period, the APR is variable and is based upon an index plus a margin and may change monthly. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of August 10, 2017 the variable rate for a Home Equity Line of Credit ranged from 4.25% APR to 7% APR. Higher rates may apply due to an increase in the Prime Rate. The maximum APR that may be imposed is 11.25%.   Prime was 4.25% as of August 10, 2017. There is a $30.00 annual fee on Lines of Credit. 
Minimum Payment Requirements: During the 10 year Draw Period, payments will be due monthly.  The minimum monthly payment during the Draw Period will equal the amount of accrued finance charges on the last day of the billing cycle. 
During the Repayment Period the loan account balance will be amortized over a 15 year period, and payments will be due monthly.  

Personal Loan Rates

Product
Term (months)
APR (as low as)
Product Share Secured
Term (months) 12-60
APR (as low as) 3.03%
Product Personal Loan
Term (months) 12-48
APR (as low as) 3.99%
APR is Annual Percentage Rate. All rates subject to change without notice and subject to credit approval. 

Share Secured:  Payment Example:
48 monthly payments of $22.15 per $1,000 borrowed at 3.03%APR

Personal Loan:  The lowest rate is the advertised rate. Rate can vary based on creditworthiness and terms of the loan.   Payment example: 12 monthly payments of $85.15 per $1,000 borrowed at 3.99%APR.

Mortgage Rates

Please call 800-662-2772 for today's mortgage rates

Savings Rates

Money Market

Account Type
Dividend Rate
APY
Minimum Balance
Account Type Tiered Money Market
Dividend Rate 0.09%
APY 0.09%
Minimum Balance $1,500 and up
Tiered Money Market: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

Savings

Account Type
Dividend Rate
APY
Minimum Balance
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $5 and up
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $5,000-$9,999
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $10,000-$49,999
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $50,000 and up
Account Type Regular Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $0
Account Type Christmas Club
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $0
Membership Savings (inc. Membership Savings Builder), Regular Savings, and Christmas Club Accounts: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

IRA

Account Type
Dividend Rate
APY
Minimum Balance
Account Type IRA Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $1
IRA Savings: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

Health Savings Accounts

Account Type
Dividend Rate
APY
Minimum Balance
Account Type Health Savings Account
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $0
Health Savings Account: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

Checking

Account Type
Dividend Rate
APY
Minimum
Account Type MCU Checking (High-Tier)
Dividend Rate 0.05%
APY 0.05%
Minimum Up to $25,000
Account Type MCU Checking (High-Tier)
Dividend Rate 0.01%
APY 0.01%
Minimum Above $25,000
Account Type MCU Checking (MId-Tier)
Dividend Rate 0.05%
APY 0.05%
Minimum Up to $25,000
Account Type MCU Checking (Mid-Tier)
Dividend Rate 0.01%
APY 0.01%
Minimum Above $25,000
Account Type MCU Checking
Dividend Rate 0.01%
APY 0.01%
Minimum $0
** MCU Checking: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Balances up to $25,000 will earn the stated higher dividend rate and the portion of the balance over $25,000 will earn the stated rate when the following monthly requirements are met: For Mid-Rate Tier, must be enrolled in eStatements; have a direct deposit OR an ACH credit or debit post to the account, and complete ten (10) signature-based debit card transactions OR $1,000 or more in debit card signature-based transactions. For the High-Rate Tier, must be enrolled in eSubscriptions; have a direct deposit OR an ACH credit or debit post to the account, and complete twenty (20) signature-based debit card transactions OR $2,000 or more in debit card signature-based transactions. Qualifying transactions must post to account during the calendar month. Accounts not meeting all monthly requirements will earn the lowest stated rate. Maintenance fees may reduce earnings.

Certificates & IRA Certificates

Term
Dividend Rate
APY
Minimum Balance
Term 1 Year
Dividend Rate 0.15%
APY 0.15%
Minimum Balance $500
Term 2 Years
Dividend Rate 0.25%
APY 0.25%
Minimum Balance $500
Term 3 Years
Dividend Rate 0.35%
APY 0.35%
Minimum Balance $500
Term 4 Years
Dividend Rate 0.50%
APY 0.50%
Minimum Balance $500
Term 5 Years
Dividend Rate 0.60%
APY 0.60%
Minimum Balance $500
MCU Saving Certificate (Term) Accounts: The Annual Percentage Yield assumes funds and accrued dividends stay on deposit until maturity. Dividend Rate is fixed for the term of the certificate.  A penalty may be imposed for early withdrawal.