Lending Rates

MetroWest Community Federal Credit Union is committed to helping individuals in our communities, manage their financial needs by offering a wide range of affordable savings and loan products.

Contact Us for More Information

 

Auto Lending Rates

Term

Rate Type

APR**

Maximum Amount

LTV

Auto Loans (2019 - 2020)

NEW AUTO LOAN RATES FOR A LIMITED TIME

Automatic payments - Up to 72 Months

Fixed

2.99%*

$50,000

100%

Estimated payment per $1000.00 is $15.19 based on 72 months

Without auto payments - Up to 72 Months

Fixed

3.24%*

$50,000

100%

Estimated Payment Per $1000.00 is $15.31 Based on 72 Months

Auto AdvisorsApply Now!

APR=Annual Percentage Rate.

*NEW AUTO LOAN RATE FOR A LIMITED TIME

***See terms and conditions

Need assistance finding your next car?

Let Auto Advisors help! 

Term

Rate Type

APR**

Maximum Amount

LTV

Used Auto (Years 2015 – 2018)

Direct Deposit auto pay - Up to 60 months

Fixed

3.24%*

$50,000.00

100%

Estimated payment per $1000.00 for 60 months $18.08

Without direct deposit auto pay - Up to 60 months

Fixed

3.49%*

$50.000.00

100%

Estimated payment per $1000.00 for 60 months $18.19

Direct Deposit Auto Pay for 61-72 months

Fixed

3.74%*

$50,000.00

100%

Estimated payment per $1000.00 for 72 months $15.53

Without direct deposit auto pay for 61-72 months

Fixed

3.99%*

$50,000.00

100%

Estimated payment per $1000.00 for 72 months $15.65

***See terms and conditions

*NEW AUTO LOAN RATE FOR A LIMITED TIME

Apply Now!

Term

Rate Type

APR**

Maximum Amount

LTV

Used Auto (2012 – 2014)

Direct Deposit or Auto Pay - Up to 60 Months

Fixed

4.75%

$50,000.00

80%

Direct Deposit autopay (Estimated payment per $1000.00 for 60 months $18.76)

Over Counter Payment - Up to 60 Months

Fixed

5.00%

$50,000.00

80%

Estimated Payment per $1000.00 for 60 months $18.88

**See Terms and Conditions

Apply Now!

Term

Rate Type

APR**

LTV

Used Auto (2009 – 2011)

Direct Deposit or Auto Pay Up to 48 Months

Fixed

6.75%

80%

Estimated Payment per $1000.00 for 48 months $23.83

Over Counter Payment Up to 48 Months

Fixed

7.00%

80%

Estimated Payment per $1000.00 for 48 months $23.95

(Older than 2009 considered other collateral)
***See Terms and Conditions

Apply Now!

Term

Rate Type

APR**

LTV

Motorcycle Loan

Up to 72 Months for years 2015 – 2019

Fixed

7.00%

100%

Estimated Payment per $1000.00 for 72 months $17.05

*6.75% If Direct Deposit and Automatic Payment; Estimated Payment per $1000.00 is $16.94

Up to 48 Months for years 2009 – 2014

Fixed

7.00%

80%

Estimated Payment per $1000.00 for 48 months $23.95

*6.75% If Direct Deposit Automatic Payment; Estimated Payment per $1000.00 is $23.84

***See Terms and Conditions

Apply Now!

Term

Rate Type

APR**

Maximum

Other Collateral Loan – Includes Used Autos, Trucks, and Motorcycles 2008 and older: and all year Boats, Trailers and other recreational vehicles

Up to 72 months depending on age of collateral

Fixed

10.00%

$50,000.00

*9.75% If Direct Deposit Payroll Payment. Terms and Conditions apply. See loan department for details.

(Maximum Term and LTV varies with amount of loan and age of collateral; see loan department for details)
**APR = Annual Percentage Rate

Terms and Conditions

  • Vendor Single Insurance fee of $75.00 on all auto, motorcycle and other collateral loans
  • Registry lien fees may apply on refinances
  • Will finance 100% of the retail loan value for autos, motorcycles, and other collateral for model years 2015 and newer; 80% financing on model years 2014 and older (Gap Insurance available, see loan department for details)
  • Refinancing of current credit union loans not available for lower rates

Apply Now!

Home Equity Loans

Term

Rate

APR**

***Loan to Value 80%

Fixed Rate Home Equity Loan ($20,000.00 to $250,000.00)

Direct Deposit and Autopay required

Up to 60 Months

Fixed

As Low As 3.50%

*Estimated Payments Per $1000 is $18.20/Month based on 60 Months

Over the Counter Payments, No Direct Deposit

Up to 60 Months

Fixed

As Low As 3.75%

*Estimated Payment Per $1000.00 is $18.31/Month Based on 60 Months

Direct Deposit and Autopay required

61 Months to 120 Months

Fixed

As Low As 4.00%

*Estimated Payment Per $1000 is $10.13/Month Based on 120 Months

Over the Counter Payments, No Direct Deposit

61 Months to 120 Months

Fixed

As Low As 4.25%

*Estimated Payments Per $1000.00 is $10.25/Month Based on 120 Months

Direct Deposit and Autopay required

121 Months to 180 Months

Fixed

As Low As 4.25%

*Estimated Payments Per $1000.00 is $7.53/Month Based on 180 Months

Over the Counter Payments, No Direct Deposit

121 Months to 180 Months

Fixed

As Low As 4.50%

*Estimated Payments Per $1000.00 is $7.66/Month Based on 180 Months

Fixed Rate Loan Amount $200,000.00 to $250,000.00 (181 Months to 240 Months)

Term

Rate

APR**

***Loan to Value 80%

240 Months

Fixed

4.49%

*Estimated Payments per $1000.00 is $6.33 Based on 240 Months with Direct Deposit

240 Months

Fixed

4.74%

*Estimated Payments per $1000.00 is $6.46 Based on 240 Months without Direct Deposit

***Loan To Value is 80%; (.75% added to above rates over 80% LTV and loan may need to qualify for loan guarantee insurance; see loan department for details)

New Loans Only, No Refinances for Lower Rates

Apply Now!

Term

Rate

APR**

Loan to Value 80%

Home Equity Loan Line of Credit ($20,000.00 to $125,000.00) Initial advance of $15,000 required

Up to 180 Months

Prime minus 0.75%

Minimum/Floor APR 4.75% Maximum APR 16.00%

Up to 80%

*Variable rate based on index (Prime as published in the Wall Street Journal) and margin and APR* may adjust semi-annually on January 1st and July 1st of each year depending on Index (Prime) and margin

(Disclosure with approved application) ** If loan to value is over 80% rate is prime plus zero, Current minimum APR 5.50%; New loans only, does not apply to existing lines.

Reimbursement fee of $450.00 on lines of credit if paid and closed withing 36 months.

Loan Origination Fee on all Equity Loans and Lines of Credit of $450.00

See loan department for details

Rates and fees subject to change without notice

**APR = Annual Percentage Rate

Apply Now!

Other Loans

Terms

Rate Type

Margin

 Maximum Amount

Share or Certificate Secured Loan

Up to 120 Months

 Variable

2.50% over Share or Certificate Rate

90% of Account Balance

Variable rate may adjust when Share or CD rates change

Apply Now!

Minimum amount of $750.00 required at application

Terms

Rate Type

**APR

Maximum Amount

Unsecured Loan (Personal)

Up to 60 Months

 Fixed

11.99%

$7000.00

** MINI SPECIAL UNSECURED LOAN FOR A LIMITED TIME (MINIMUM AMOUNT $500.00/MAXIMUM AMOUNT $2500.00 **

TERM UP TO 24 MONTHS FIXED RATE 8.99% APR ESTIMATED PAYMENTS PER $1000.00 IS $45.70 BASED ON 24 MONTHS

 

 

Terms

Rate Type

**APR

Loan Limits

Payments per $1000.00

Unsecured Home Improvement Loan

Up to 72 Months

Fixed

7.00%

Minimum $5000.00 / Maximum $10,000.00

Estimated Payments per $1000.00 is $17.04

Up to 120 Months

Fixed

7.00%

Minimum $10,001.00 / Maximum $15,000.00

Estimated Payments per $1000.00 is $11.61

Up to 180 Months

Fixed

7.00%

Minimum $15,001.00 / Maximum $25,000.00

Estimated Payments per $1000.00 is $8.99

Must be primary residence and have ownership interest in property; $150.00 origination fee; certain terms and conditions apply, see loan department for details

Apply Now!

Credit Card Rates

**APR

Maximum Amount

Credit Card – Visa and Master Card

As Low As 9.00%

$10,000.00

Approved credit required. May not be used to pay off other loans from MWCFCU. APR=Annual Percentage Rate.

*REFINANCING OF CURRENT MWCFCU LOANS NOT AVAILABLE FOR LOWER RATES *

Apply Now!

Lending Rates

Loan department contacts:

508-879-5522 or 877-482-6055 Ext 215, 208 or 218

Fax: 508-879-6806 and 508-879-9676

 

 

Back to Top

Espanol Icon Espanol Icon Text Resizer Icon

Haga clic aquí para ver nuestro sitio web en español.

Adjust text size here

Connect With Us

Call us Email Us

Facebook LinkInstagram LinkLinkedIn Link

Personalization Settings

x

Welcome

Your Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

Please do not remind again