Meadowland Credit Union

920-467-8105

Where People Are Worth More Than Money

Deposit Rates

Effective Date as of: 03/28/2024

Money Market Investment Account

BalanceDividend RateAPY*
$0 - $2,4990.00%0.00%
$2,500 - $9,9990.80%0.80%
$10,000 - $24,9990.95%0.95%
$25,000 +1.24%1.25%

$2500 minimum deposit, APYs can change after account opening

Money Market Advantage Account

BalanceDividend RateAPY*
$0 - $14,9990.00%0.00%
$15,000 - $24,9990.95%0.95%
$25,000 - $49,9991.24%1.25%
$50,000 - $99,9991.49%1.50%
$100,0002.28%2.30%

$15,000 minimum deposit. $15 per month fee if balance falls below minimum, APYs can change after account opening.

Checking Account

Share TypeMinimum BalanceDividend RateAPY*
Totally Free Checking$0n/an/a

Savings Account

Share TypeMinimum BalanceDividend RateAPY*
Regular Savings**$5.000.05%0.05%
Mouse Club (ages 0-12)$00.20%0.20%
Teen Club (ages 13-17)$00.20%0.20%
Holiday Club$00.35%0.35%
Vacation Club$00.20%0.20%
IRA Savings$00.50%0.50%

 *APYs can change after account opening

   Holiday/Vacation Club Account early withdrawal fee: $20.00 plus mandatory closure of the account

**Regular Savings requires a $100 minimum balance to earn APY

Share Certificates and IRA Certificates

Certificate & IRA Certificate TypeMinimum BalanceDividend RateAPY*
3 Month$500.001.69%1.70%
6 Month$500.002.28%2.30%
1 Year$500.002.48%2.50%
2 Year$500.002.62%2.65%
3 Year$500.002.72%2.75%
4 Year$500.002.77%2.80%
5 year$500.003.21%3.25%

*APY denotes Annual Percentage Yield

 IRA Certificate term available are 1 year or greater

Health Savings Accounts (HSA)

Daily Balance to Earn APYDividend RateAPY*
< $500.000.05%0.05%
$500 - $2,499.990.10%0.10%
$2,500 - $4,999.990.15%0.15%
$5,000 - $14,999.990.20%0.20%
$15,000 and above0.25%0.25%

Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.

Fees could reduce earnings on an account

Loan Rates

Effective Date as of: 03/28/2024

Automobile and Motorcycle Loan Rates

2018 and Newer

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 4.49%$43.65
Up to 36 MonthsAs Low as 4.74%$29.86
Up to 48 MonthsAs Low as 4.99%$23.03
Up to 60 MonthsAs Low as 5.24%$18.99

2020 and Newer

TermAPR*Monthly Payment**
Up to 72 MonthsAs Low as 5.49%$16.34
Up to 84 MonthsAs Low as 6.74%$14.97

2015 to 2017 and Collector Cars

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 5.24%$43.98
Up to 36 MonthsAs Low as 5.49%$30.19
Up to 48 MonthsAs Low as 5.74%$23.37

2014 and Older

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 6.99%$44.78
Up to 36 MonthsAs Low as 7.24%$31.00

Recreational Vehicle Loan Rates

Snowmobiles, Campers, 4-Wheelers, Boats, etc.

RV 2018 and Newer

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 4.99%$43.87
Up to 36 MonthsAs Low as 5.24%$30.08
Up to 48 MonthsAs Low as 5.49%$23.26
Up to 60 MonthsAs Low as 5.74%$19.22

RV 2015 to 2017

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 5.74%$44.20
Up to 36 MonthsAs Low as 5.99%$30.42
Up to 48 MonthsAs Low as 6.24%$23.60

RV 2014 and Older

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 7.99%$45.24
Up to 36 MonthsAs Low as 8.24%$31.46

Mobile Home and Motor Home Loans

TypeAPR*% FinancedPayment**Term
New Mobile Homes 2024As Low as 17.99%Up to 80%$25.40Up to 15 yrs amort., / 5 year balloon
Mobile Homes 2023-2014As Low as 17.74%Up to 80%$25.27Up to 10 yrs amort., / 5 year balloon
Mobile Homes 2013-2006As Low as 17.49%Up to 70%$25.13Up to 10 yrs amort., / 5 year balloon
New Motorhomes 2024As Low as 17.99%Up to 90%$25.40Up to 20 yrs amort., / 5 year balloon
Motorhomes 2023-2010As Low as 18.99%Up to 90%$25.95Up to 15 yrs amort., / 5 year balloon

Home Equity Loan Rates

1st and/or 2nd Mortgage

5 Year ARM (Adjustable Rate Mortgage)

Loan to ValueAPR*Monthly Payment**
Up to 80%As Low as 5.250%$18.99
81 - 90 %As Low as 7.000%$19.80
91 - 100%As Low as 8.000%$20.28

5 Year Fixed

Loan to ValueAPR*Monthly Payment**
Up to 80%As Low as 5.375%$19.05
81 - 90 %As Low as 6.375%$19.51
91 - 100%As Low as 7.375%$19.98

7 Year Fixed

Loan to ValueAPR*Monthly Payment**
Up to 80%As Low as 5.875%$14.55
81 - 90 %As Low as 6.875%$15.04
91 - 100%As Low as 7.875%$15.53

10 Year Fixed

Loan to ValueAPR*Monthly Payment**
Up to 80%As Low as 6.875%$11.55
81 - 90 %As Low as 7.875%$12.07
91 - 100%As Low as 8.875%$12.61

Home Equity Line of Credit Rates

Loan to ValueVariable Rate - APR*Monthly Payment**
Up to 80% LTVAs Low as 8.50%1.25% of Balance Min.
Up to 90 % LTVAs Low as 9.00%1.25% of Balance Min.
Up to 100% LTVAs Low as 9.50%1.25% of Balance Min.

Personal Signature Loans (unsecured) up to $7500

TermAPR*Monthly Payment**
Up to 24 MonthsAs Low as 10.50%$46.39
Up to 36 MonthsAs Low as 12.50%$33.47

Medical / Dental Loans (unsecured) up to $7500

TermAPR*Monthly Payment**
Up to 12 MonthsAs Low as 5.99%$86.07
Up to 24 MonthsAs Low as 6.24%$44.44
Up to 36 MonthsAs Low as 6.49%$30.65

Kwik Cash Loans (unsecured)

AmountAPR*
Up to $5000As Low as 14.00%

*APR is variable and may increase after consummation.

Flash Cash Loans

AmountAPR*
Up to $15,000As Low as 9.50%

*APR is variable and may increase after consummation.

Single Payment Loan

TermAPR*
Up to 6 MonthsAs Low as 11.99%

Savings and Share Certificate Secured Loans

Term
APR will equal 3% above actual APY of share savings/share certificate, but be no less than 5.00% APR.

* APR denotes Annual Percentage Rate

** Monthly Payment is based on payment per $1000 for rate and term

All above rates are based on certain credit worthiness criteria.

Some loans greater than 5 years are subject to a demand feature.

The above rates are based on the following criteria

  1. Year of collateral
  2. Amount financed compared to the loan value of collateral
  3. Previous credit history with Meadowland Credit Union
  4. Current FICO credit score

All Rates are Subject to Change

FAQ

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A detailed answer to provide information about your business, build trust with potential clients, and help convince the visitor that you are a good fit for them.
A detailed answer to provide information about your business, build trust with potential clients, and help convince the visitor that you are a good fit for them.
A detailed answer to provide information about your business, build trust with potential clients, and help convince the visitor that you are a good fit for them.
A detailed answer to provide information about your business, build trust with potential clients, and help convince the visitor that you are a good fit for them.