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MVFCU Rates
Effective May 1, 2013

Range	Grade of Paper		Rates All Unsecured Loans	Rates All used secured, Non-Real Estate Loans (Autos, Boats, Motorcycles, ect.)				Rates All New (2 Years & newer) Secured Non-Real Estate Loans (Autos, Boats, Motorcycles ect.)
				24	36	48	60	24	36	48	60	72	84
			Suggest Floor Rate
730+	Platinum		8.99%	3.95%	4.54%	4.66%	4.90%	2.42%	2.49%	2.68%	3.09%	3.45%	5.24%
680-729 (+.50)	A		9.49%	4.45%	5.04%	5.16%	5.40%	2.92%	2.99%	3.18/%	3.59%	3.95%	5.74%
640-679(+1.50)	B		10.95%	5.45%	6.04%	6.16%	6.40%	4.18%	4.25%	4.44%	4.85%	5.24%	6.74%
600-639 (+3.25)	C		12.70%	7.20%	7.79%	7.91%	8.15%	5.93%	6.50%	6.69%	7.10%	7.49%
550-599 (+5.50)	D		14.95%	9.45%	10.04%	10.16%	10.40%	8.68%	8.75%	8.94%	9.35%
549 or less (+9.50)	E		18.00%	13.45%	14.04%	14.16%	14.40%	12.68%	12.75%	12.94%	13.35%

 MVFCU Share Rates                                                 
Effective January 1, 2013

Shares			Club Account		Checking		Share Certificates
Amount	Rate	Yield	Rate	Yield	Rate	Yield	Term	Rate	Yield	Term	Rate	Yield
$100-$500	0.15%	0.150%	0.15%	0.150%	0.20%	0.20%	6 mo. $1,000	0.400%	0.401%	18 mo. $5,000	0.600%	0.602%
$501-$1500	0.20%	0.200%	IRA (500 minimum)				12 mo.$1,000	0.500%	0.501%	24 mo. $5,000	0.900%	0.904%
$1501 +	0.20%	0.20%	0.65%	0.652%			12 mo. $10,000	0.600%	0.602%
Money Market $2,500 minimim			0.35%	0.351%			36 mo. $5,000.00	1.300%	1.308%
IRA Certificate Minimum opening Balance is $5,000

Share Secured Loan Rate lowest tier rate + 3.5 OR 4.75% whichever is greater.     
The Car Buyer's Helpline 800-836-4333; fax 518-383-8927  
CUC Mortgage 1-800-342-9835   
Visa 800-872-1712