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Loan Rates

Annual Percentage Rates (APR) effective 1/1/2017 and are subject to change without notice.  Call for most current rates.

New Vehicle Loans

Terms
APR
Up to 60 Months* 2.24%
61 to 72 Months*
2.74%
73 to 84 Months* 2.99%

*Estimated monthly car loan payment per $1,000 borrowed at 2.24% APR is $17.63 for 60 months. Estimated monthly car loan payment per $1,000 borrowed at 2.74% APR is $15.08 for 72 months. Estimated monthly car loan payment per $1,000 borrowed at 2.99% APR is $13.21 for 84 months. Rates subject to change without notice.  Subject to credit review. My Advantage discount does not apply.

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Used Vehicle Loans

Terms
APR

Up to 60 Months
(Vehicles seven years old or newer)

2.24%

72 Months
(Vehicles seven years old or newer)

2.74%

84 Months
(Vehicles seven years old or newer)

2.99%

Estimated monthly car loan payment per $1,000 borrowed at 2.24% APR is $17.63 for 60 months. Estimated monthly car loan payment per $1,000 borrowed at 2.74% APR is $15.08 for 72 months. Estimated monthly car loan payment per $1,000 borrowed at 2.99% APR is $13.21 for 84 months.

My Advantage discount does not apply.

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Motorcycle Loans

Terms
APR
$5,000 – $25,000 up to 5 years
5.99%

Annual Percentage Rate subject to change without notice. Estimated monthly payment per $1,000 borrowed at 5.99% APR is $18.87 for 5 year term. My Advantage discount dose not apply.

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Home Equity Loans

Terms
APR
(Up to 80% LTV)
APR
(81% to 90% LTV)
5-Year Home Equity
2.99%
3.49%
7-Year Home Equity
3.74%
4.24%
10- or 15- Year Home Equity 3.99% 4.49%

Home equity loans are subject to a $150 non-refundable application fee.  Loan to Value (LTV) maximum is 90%. Estimated
monthly payment per $1,000 borrowed at 2.99% APR is $17.96 for 5 years and at 3.74% APR is $13.55 for 7 years and
$7.39 for 15 years.  Rate 0.50% higher for 81%-90% LTV. 
Consult your tax advisor regarding tax deductibility.
My Advantage rate does not apply.

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Home Equity Line of Credit

Terms
APR
as low as
2.49%

Annual Percentage Rate (APR) effective 1/1/17. Rate fixed through 12/31/2017. Thereafter, variable rate subject to change quarterly based on the Prime Rate as published in The Wall Street Journal with a floor of 3.99% and a ceiling of 18.00%. Estimated monthly payment per $1,000 borrowed at 2.49%. APR is $6.66. All home equity loans and lines of credit are subject to a $150 non-refundable application fee (no fee waivers for My Advantage).

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Credit Cards

Types
APR*
VISA® Platinum
9.90% - 18.00%
VISA®  Platinum Rewards
11.50% - 18.00%

*The Annual Percentage Rate (APR) is based on our creditworthiness and will vary with the market based on the Prime Rate.  For more information, please review the credit card disclosure. My Advantage discount does not apply.

**Balance transfer offer:  New balance transfers to a MSDFCU Visa® Platinum or VISA® Platinum Rewards credit card will receive the 1.99% APR for a period of two years from the book date of the balance transfer. Transfer your balances now!

For credit card tips from the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

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Easy-Access Personal Line of Credit

Terms
APR
as low as
7.99%

This is a variable rate, subject to change quarterly based on the Prime Rate + 3.99% as published in the Wall Street Journal with a floor of 7.99% and a ceiling of 18.00%. My Advantage discount does not apply.

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Personal Loan Specials

Terms
APR
up to $50,000 and up to 2 years
2.99%
up to $50,000 and up to 3 years
3.99%
up to $50,000 and up to 4 years
4.99%
up to $50,000 and up to 5 years
5.99%

Rate subject to change without notice. Estimated monthly payment per $1,000 borrowed at 5.99% APR is $19.33 for 60 months; at 4.99% APR is $23.02 for 48 months; at 3.99% APR is $29.52 for 36 months; and at 2.99% APR is $42.98 for 24 months. My Advantage discount does not apply.

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Collateralized Loan

Terms
APR
Auto title to a "free and clear" vehicle, seven years old or newer for up to 60 months
4.99%

Estimated monthly payment per $1,000 borrowed at 4.99% APR is $18.87 for 60 months. My Advantage discount does not apply.

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Savings Secured Loan

(by savings, CD, other)

Terms
My Advantage APR
APR
up to 60 months
5.75%
6.00%

Estimated monthly payment per $1,000 borrowed at 5.75% APR is $19.22 for 60 months. Estimated monthly payment per $1,000 borrowed at 6.00% APR is $19.33 for 60 months.

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MSDFCU's ABA Number: 231386645
335 West Butler Avenue, Chalfont, PA 18914|(215) 996-3700
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