MCSEFCU Loan Rates

Macon County School Employees
Federal Credit Union

LOAN RATES
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ALL RATES SUBJECT TO CHANGE.

**AUTO LOANS:**
Auto Guidelines: (Used vehicles per NADA Used Car Guide) New or used vehicles rates also good for refinancing from other institutions. Extended terms are available on a case by case basis. New Lower Auto Loan Rates!
*NOTE: apr = Annual Percentage Rate
Age Of Vehicle	Up To 36 Months	Up To 48 Months	Up To 60 Months	Up To 72 Months
2007 to 2009 New or Used Vehicles	5.49% apr 5.49%	5.49% apr 5.49%	5.49% apr 5.49%	6.49% apr 6.49%
2004 to 2006 Used Vehicles	5.99% apr 5.99%	5.99% apr 5.99%	5.99% apr 5.99%
2001 to 2003 Used Vehicles	6.49% apr 6.49%	6.49% apr 6.49%	6.49% apr 6.49%
1998 to 2000 Used Vehicles		7.99% apr 7.99%
1997 & Older Used Vehicles	8.99% apr 8.99%
If extended terms are needed, rate is increased 0.50%

**SHARE SECURED & SIGNITURE LOANS:**
*NOTE: apr = Annual Percentage Rate
Share Secure Loans:	3.25% apr 3.25%
Signature Loans:	12.95% apr 12.95%	for 36 months
	13.95% apr 13.95%	for 48 months
	14.95% apr 14.95%	for 60 months
Signature Loan Maximum Balance: $10,000

**NEW CERTIFICATE OF DEPOSIT SECURED LOAN PROGRAM**
Members with CD's can use their CD's as collateral for a loan. This program rewards good credit union savers. Please call or stop in for details on how we can help you save money. The rate is determined by your CD rate. For example: if your CD rate is 6.00% on 12 months, your loan rate would be 8.00% for 12 months for no more than the amount of the CD. This loan is renewable.


VISA CARD LOANS:	6.90%	for Existing Accounts
VISA Loan Maximum Balance: $10,000
New VISA Regular Rates - effective January 1st 2004 10.95% - non-special rate 13.95% - three or more late payments in a 12 month period

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