Mountain America Credit Union

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07.10.14
Todays Rates

30Yr Fixed Mtg

4.125%

4.251% _APR

Lock in a low rate and low payments by applying for a 30-year Fixed Home Loan.
Home Eq Line

2.49%

Tackle a home improvement project, consolidate debt, pay for education and more.
15Yr Fixed Mtg

3.125%

3.343% _APR

Get a low rate and pay off your mortgage faster with this financing option.
Auto Loan

2.74%

Need financing for a used car, truck or SUV? Mountain America can help.
7Yr MiniMortg

3.49%

Shrink your interest rate or term by refinancing your mortgage. No closing...
100% Mortgage

5.25%

5.431% _APR

Low rate, small down payment and flexible terms for first-time buyers.
5Yr Term Dep

1.98%

Looking for a safe way to grow your savings long-term? Consider a Term Deposit.
10Yr MiniMortg

3.49%

Shrink your interest rate or term by refinancing your mortgage. No closing...
Small RV/ATV

5.25%

Secure low-rate financing for a new motorcycle, ATV or side by side.
RV Loan - Used

3.99%

Get the used boat, camper, motor home or trailer you want at a low rate.
RV Loan - New

3.99%

Up to 144 month-financing for new boats, campers, motor homes and more.
Visa Rewards

8.99%

All the rewards and features you want in a single, low-rate credit card.
Construct Loan

4.49%

4.663% _APR

Build from the ground up! Owner-builder and contractor options available.
Visa Platinum

7.99%

Get low rates, no annual fees, no balance transfer fees and more.
Savings

0.10%

Get competitive interest earnings while you grow your money.
Signature Loan

7.74%

Receive the low-rate financing you need with just the stroke of a pen.
4Yr Term Dep

1.14%

Looking for a safe way to grow your savings long-term? Consider a Term Deposit.
Money Market

0.30%

Earn higher interest dividends than you would with a regular savings account.

30 Year Fixed
Important Loan Information

The information provided is for a 30 year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 4.125 % interest rate, the APR for this loan type is 4.251%. The monthly payment would be:

359 payments of $872.37 at an interest rate of 4.125 %
1 payment of $875.69 at an interest rate of 4.125 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

Annual Percentage Rate. On approved credit and new equity loans only. After six months, the introductory rate will convert to a variable annual percentage rate of prime plus zero percent (prime is determined by the Federal Reserve). Prime Rate is currently 3.25%. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4.00%. Some restrictions may apply. Rates subject to change. Limited time offer. Membership required—based on eligibility. Consult your tax advisor for more information regarding the tax deductible benefits of a home equity line of credit.

15 Year Fixed
Important Loan Information

The information provided is for a 15 year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 3.125 % interest rate, the APR for this loan type is 3.343%. The monthly payment would be:

179 payments of $1,253.90 at an interest rate of 3.125 %
1 payment of $1,255.15 at an interest rate of 3.125 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

60 monthly payments of $17.85 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

84 payments of $13.44 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.

MACU 100% 30 Year Fixed Rate
Important Loan Information

The information provided is for a MACU 100% 30 Year Fixed Rate mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $180,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 5.250 % interest rate, the APR for this loan type is 5.431%. The monthly payment would be:

359 payments of $993.97 at an interest rate of 5.250 %
1 payment of $996.39 at an interest rate of 5.250 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

APY = Annual Percentage Yield

120 payments of $9.88 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.

60 monthly payments of $18.99 per $1,000.00 borrowed.

144 monthly payments of $8.75 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

The information provided is for a 30 year fixed One-Time close loan with a 9-month construction term. Assumes a 700+ FICO, and 80% Loan-to-value. No prepayment penalty. Allows 1-time float down at modification if rates drop, otherwise rate is capped at construction rate. During construction phase, minimum payments are interest only based on the amount drawn. 360 payments of $5.06 per $1,000 borrowed after construction period.

APY = Annual Percentage Yield

Rate based on a 36-month term and includes a 0.25% discount with a MyStyle Checking account. Terms up to 60 months available.

APY = Annual Percentage Yield

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