Where People Are Worth More Than Money
Meadowland Credit Union will be closed for training on Columbus Day Monday October 12, 2026.
Home and Mobile Banking will be available.
Important Update: The Card Suite Lite App will be discontinued on November 30, 2026. Please switch to our regular electronic service to continue monitoring your debit card transactions.
- Money Market Investment
- Money Market Advantage
- Checking
- Savings
- Certificates and IRAs
- Health Savings Account (HSA)
- Autos/Cycles
- Recreational
- Mobile and Motorhome
- Home Equity
- Home Equity Line of Credit
- Personal Signature
- Medical/Dental
- Kwik-Cash
- Flash Cash
- Single Payment
- Savings and Share Certificate Secured Loans
Deposit Rates
Effective Date as of: 10/07/2026
Money Market Investment Account
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $2,499 | 0.05% | 0.05% |
| $2,500 - $9,999 | 0.55% | 0.55% |
| $10,000 - $24,999 | 0.75% | 0.75% |
| $25,000 + | 1.54% | 1.55% |
$2500 minimum deposit, APYs can change after account opening
Money Market Advantage Account
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0 - $14,999 | 0.05% | 0.05% |
| $15,000 - $24,999 | 0.75% | 0.75% |
| $25,000 - $49,999 | 1.54% | 1.55% |
| $50,000 - $99,999 | 1.592% | 1.60% |
| $100,000 | 2.124% | 2.15% |
$15,000 minimum deposit. $15 per month fee if balance falls below minimum, APYs can change after account opening.
Checking Account
| Share Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Totally Free Checking | $0 | n/a | n/a |
Savings Account
| Share Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Regular Savings** | $5.00 | 0.05% | 0.05% |
| Falcon Saver (ages 0-12) | $0 | 0.25% | 0.25% |
| Teen Club (ages 13-17) | $0 | 0.25% | 0.25% |
| Holiday Club | $0 | 0.50% | 0.50% |
| Vacation Club | $0 | 0.50% | 0.50% |
| IRA Savings | $0 | 0.549% | 0.55% |
Share Certificates and IRA Certificates
| Certificate & IRA Certificate Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month | $500.00 | 3.211% | 3.25% |
| 6 Month | $500.00 | 4.038% | 4.10% |
| 1 Year | $500.00 | 3.698% | 3.75% |
| 2 Year | $500.00 | 3.941% | 4.00% |
| 3 Year | $500.00 | 4.087% | 4.15% |
| 4 Year | $500.00 | 4.281% | 4.35% |
| 5 year | $500.00 | 4.426% | 4.50% |
*APY denotes Annual Percentage Yield
IRA Certificate term available are 1 year or greater
Health Savings Accounts (HSA)
| Daily Balance to Earn APY | Dividend Rate | APY* |
|---|---|---|
| < $500.00 | 0.05% | 0.05% |
| $500 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $4,999.99 | 0.16% | 0.16% |
| $5,000 - $14,999.99 | 0.22% | 0.22% |
| $15,000 and above | 0.30% | 0.30% |
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: 10/07/2026
Automobile and Motorcycle Loan Rates
2021 and Newer
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 3.74% | $43.32 |
| Up to 36 Months | As Low as 3.99% | $29.53 |
| Up to 48 Months | As Low as 4.24% | $22.69 |
| Up to 60 Months | As Low as 4.49% | $18.56 |
2023 and Newer
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 72 Months | As Low as 4.74% | $15.99 |
| Up to 84 Months | As Low as 5.99% | $14.61 |
2018 to 2020 and Collector Cars
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 4.49% | $43.65 |
| Up to 36 Months | As Low as 4.74% | $29.86 |
| Up to 48 Months | As Low as 4.99% | $23.03 |
| Up to 60 Months (2020 and 2019) | As Low as 5.74% | $19.22 |
2017 and Older
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 5.74% | $44.21 |
| Up to 36 Months | As Low as 5.99% | $30.43 |
Recreational Vehicle Loan Rates
Snowmobiles, Campers, 4-Wheelers, Boats, etc.
RV 2021 and Newer
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 3.99% | $43.43 |
| Up to 36 Months | As Low as 4.24% | $29.64 |
| Up to 48 Months | As Low as 4.49% | $22.81 |
| Up to 60 Months | As Low as 4.74% | $18.76 |
| Up to 72 Months (2023 and Newer and At Least $20,000) | As Low as 4.99% | $16.11 |
| Up to 144 Months (At Least $40,000) | As Low as 6.24% | $9.89 |
RV 2018 to 2020
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 4.99% | $43.88 |
| Up to 36 Months | As Low as 5.24% | $30.09 |
| Up to 48 Months | As Low as 5.49% | $23.26 |
RV 2017 and Older
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 5.74% | $44.21 |
| Up to 36 Months | As Low as 5.99% | $30.43 |
Mobile Home and Motor Home Loans
| Type | APR* | % Financed | Payment** | Term |
|---|---|---|---|---|
| New Mobile Homes 2026 | As Low as 9.49% | Up to 80% | $21.01 | Up to 15 yrs amort., / 5 year balloon |
| Mobile Homes 2025-2016 | As Low as 9.24% | Up to 80% | $20.88 | Up to 10 yrs amort., / 5 year balloon |
| Mobile Homes 2015-2008 | As Low as 9.49% | Up to 70% | $21.01 | Up to 10 yrs amort., / 5 year balloon |
| New Motorhomes 2026 | As Low as 9.74% | Up to 90% | $21.13 | Up to 20 yrs amort., / 5 year balloon |
| Motorhomes 2025-2012 | As Low as 9.49% | Up to 90% | $21.01 | Up to 15 yrs amort., / 5 year balloon |
Home Equity Loan Rates
1st and/or 2nd Mortgage
5 Year ARM (Adjustable Rate Mortgage)
| Loan to Value | APR* | Monthly Payment** |
|---|---|---|
| Up to 80% | As Low as 5.75% | $19.22 |
| 81 - 90 % | As Low as 7.25% | $19.93 |
| 91 - 100% | As Low as 8.50% | $20.53 |
5 Year Fixed
| Loan to Value | APR* | Monthly Payment** |
|---|---|---|
| Up to 80% | As Low as 5.375% | $19.05 |
| 81 - 90 % | As Low as 6.125% | $19.40 |
| 91 - 100% | As Low as 6.875% | $19.75 |
7 Year Fixed
| Loan to Value | APR* | Monthly Payment** |
|---|---|---|
| Up to 80% | As Low as 5.625% | $14.44 |
| 81 - 90 % | As Low as 6.375% | $14.80 |
| 91 - 100% | As Low as 7.125% | $15.16 |
10 Year Fixed
| Loan to Value | APR* | Monthly Payment** |
|---|---|---|
| Up to 80% | As Low as 6.125% | $11.17 |
| 81 - 90 % | As Low as 6.875% | $11.56 |
| 91 - 100% | As Low as 7.625% | $11.94 |
Home Equity Line of Credit Rates
| Loan to Value | Variable Rate - APR* | Monthly Payment** |
|---|---|---|
| Up to 80% LTV | As Low as 7.00% | 1.50% of Balance Min. |
| Up to 90 % LTV | As Low as 7.25% | 1.50% of Balance Min. |
| Up to 100% LTV | As Low as 7.50% | 1.50% of Balance Min. |
Personal Signature Loans (unsecured) up to $7500
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 24 Months | As Low as 7.75% | $45.12 |
| Up to 36 Months | As Low as 9.75% | $32.15 |
Medical / Dental Loans (unsecured) up to $7500
| Term | APR* | Monthly Payment** |
|---|---|---|
| Up to 12 Months | As Low as 5.49% | $85.83 |
| Up to 24 Months | As Low as 5.74% | $44.21 |
| Up to 36 Months | As Low as 5.99% | $30.42 |
Kwik Cash Loans (unsecured)
| Amount | APR* |
|---|---|
| Up to $5000 | As Low as 14.00% |
*APR is variable and may increase after consummation.
Flash Cash Loans
| Amount | APR* |
|---|---|
| Up to $15,000 | As Low as 8.00% |
*APR is variable and may increase after consummation.
Single Payment Loan
| Term | APR* |
|---|---|
| Up to 6 Months | As Low as 10.75% |
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
- Year of collateral
- Amount financed compared to the loan value of collateral
- Previous credit history with Meadowland Credit Union
- Current FICO credit score
All Rates are Subject to Change
FAQ
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A frequently asked question surrounding your service
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 frequently asked question surrounding your service
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 frequently asked question surrounding your service
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 frequently asked question surrounding your service
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 frequently asked question surrounding your service
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 frequently asked question surrounding your service
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.