Rates

Rates as of 10/15/2020

Loans

Members with qualifying credit and member relationships may have rates as low as…

Loans
Loan Type Rate APR* Term in months
2019-2021 Vehicles
With less than 20,000 miles 2.90% 2.90% 36
With less than 20,000 miles 2.90% 2.90% 48
With less than 20,000 miles 2.90% 2.90% 60
With less than 20,000 miles 3.65% 3.65% 72
2017-2020 Vehicles
With over 20,000 miles 3.10% 3.10% 36
With over 20,000 miles 3.10% 3.10% 48
With over 20,000 miles 3.10% 3.10% 60
With over 20,000 miles 3.60% 3.60% 66
2014-2016 Vehicles
3.60% 3.60% 36
3.60% 3.60% 48
2011-2012 Vehicles
4.34% 4.34% 42
 4.84% 4.84% 48
2010 & Older Vehicles
6.49% 6.49% 36
6.99% 6.99% 42
Motor Homes, Boats & Campers
For terms of 60 months or less, use our “Vehicle” rates above.
2016-2020 with over $20,000 & 20% down (3-yr balloon) 6.49% 6.49% 120
2016-2020 with over $20,000 & 10% down 5.49% 5.49% 84
2010-2015 with over $20,000 & 20% down (3-yr balloon) 7.24% 7.24% 120
2010-2015 with over $20,000 & 10% down 6.24% 6.24% 84
Other Titled & Non-Title Secured Loans
(ATVs, snowmobiles, wave runners, lawn tractors, etc.)
2018-2020 3.99% 3.99% 48
2011-2017 4.74% 4.74% 36
2010 & Older 6.99% 6.99% 24
Unsecured Loans
6 – 24 months 8.49% 8.49% 24
25 – 48 months 10.49% 10.49% 48
Home Improvement $5,000 Limit
5.99% 5.99% 60
7-Year Mortgage Loan
Fixed Rate 2.99% 2.99% 84
First Mortgage Loans
Please call us at 319.398.5007 for current rates.
Home Equity Closed-End Fixed Rate
90% TAV**/Appraised (62-month balloon) 3.74% 3.74% 62
90% TAV**/Appraised Fixed Term 3.49% 3.49% 60
100% TAV**/Appraised (62-month balloon) 4.74% 4.74% 62
100% TAV**/Appraised Fixed Term 4.49% 4.49% 60
Home Equity Open-End Line of Credit
90% TAV**/Appraised -0.50% (5% Floor) 5.00% 5.00% n/a
100% TAV**/Appraised (5% Floor) 5.00% 5.00% n/a
*APR = Annual Percentage Rate | **TAV=Tax Assessed Value

Home Equity Lines of Credit are variable and subject to change. Maximum APR 21%. The rate will be the Prime Rate as published in the Wall Street Journal 10 days prior to the end of each calendar quarter, plus index (if applicable)

To receive the lowest rate, you must have a credit score of 720+ and receive a .25% off of your loan for having an active Metco Credit Union checking account and another .25% for choosing an automatic loan payment. Not good on promotional offers. Other restrictions may apply. See credit union for full details.

Savings

Savings
Savings Minimum Balance Dividend Rate APY*
Share Savings ($0-$99.99) $5.00  0.00% 0.00%
Share Savings ($100.00+) $5.00 0.10% 0.10%
Kirby Kids Club Share Savings ($5.00+) $5.00 0.10% 0.10%
CU Succeed Share Savings ($5.00+) $5.00 0.10% 0.10%
Mega Saver Money Market $2,500 to $7,499.99 $2,500 0.15% 0.15%
Mega Saver Money Market $7,500 to $14,999.99 $2,500 0.20% 0.20%
Mega Saver Money Market $15,000 to $49,999.99 $2,500 0.35% 0.35%
Mega Saver Money Market $50,000 and over $2,500 0.60% 0.60%
Share Drafts (Checking) $0.00 0.00% 0.00%
Ultimate Checking
Requirements must be met to earn dividend.
$0.00 2.00% 2.00%
Health Savings $250 0.10% 0.10%
Christmas Club Share Savings $0.00 0.10% 0.10%
*APY = Annual Percentage Yield.

Certificates

Certificates
Certificates of Deposit Minimum Deposit Dividend Rate APY* Term in months
6 Month CD $1,000.00 0.30% 0.30% 6
6 Month CU Succeed CD $500.00 0.30% 0.30% 6
12 Month CD $1,000.00 0.40% 0.40% 12
18 Month CD $1,000.00 0.50% 0.50% 18
24 Month CD $1,000.00 0.60% 0.60% 24
30 Month CD $1,000.00 0.70% 0.70% 30
36 Month CD $1,000.00 0.80% 0.80% 36
36 Month Kirby CD $500.00 0.80% 0.80% 36
39 Month CD Special $1,000.00 1.00% 1.00% 39
48 Month CD $1,000.00 0.85% 0.85% 48
60 Month CD $1,000.00 0.95% 0.95% 60
IRA Share Savings & IRA Certificates of Deposit
IRA Share Savings & IRA Certificates of Deposit Minimum Deposit Dividend Rate APY* Term in months
IRA Share Savings $100 to $9,999.99 $500.00 0.40% 0.40% n/a
IRA Share Savings $10,000.00 to $29,999.99 $500.00 0.60% 0.60% n/a
IRA Share Savings $30,000 and over $500.00 0.80% 0.80% n/a
24 Month IRA CD $1,000.00 0.60% 0.60% 24
24 Month IRA CD $10,000.00 0.65% 0.65% 24
24 Month IRA CD $30,000.00 0.75% 0.75% 24
36 Month IRA CD $1,000.00 0.80% 0.80% 36
36 Month IRA CD $10,000.00 0.85% 0.85% 36
36 Month IRA CD $30,000.00 0.95% 0.95% 36
48 Month IRA CD $1,000.00 0.85% 0.85% 48
48 Month IRA CD $10,000.00 0.90% 0.90% 48
48 Month IRA CD $30,000.00 1.00% 1.00% 48
*APY = Annual Percentage Yield | A penalty may be imposed for early withdrawal
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