Michigan Educational CU

2020 - 1995 Automobiles (100% Financed)
Effective Date: 11/01/2019
Year From	Year To	Term	APR* as low as
2020	2016	Up to 60 Months	2.99%
2020	2016	72 Months**	3.24%
2020	2016	84 Months**	3.74%
2015	2013	Up to 60 Months	3.49%
2012	1995	Up to 48 Months	5.49%
Minimum $25,000.00 for 84 month term, Minimum $10,000 for 72 month term College Grad Discount - 2018 and 2019 graduates can save .25% off MECU's current 2019s/2018s auto loan rates. Classic Cars (25 years and older)** As low as 7.50% - 36 months 7.50% - 48 months (minimum $10,000) Payment example: $20,000 loan with a 72 month term at 3.74% APR would be $311/month. *Rates includes a .25% discount for direct deposit and may vary based on credit history. Please call the Credit Union for the most current rates and more details. Rates are subject to change at any time without notice.

Share Savings
Effective Date: 11/01/2019
Name	APY*
Regular Share Savings	.25%
Christmas Club	.25%
Vacation Club	.25%
The minimum balance in these accounts is just $5.00. Rates may change at any time. Fees, which could be assessed for other services available through the credit union could reduce the earnings on these accounts. There is no fee however to maintain a Share Savings, Vacation or Christmas Club account. Rates are subject to change at any time. *APY = Annual Percentage Yield.

Share Certificates
Effective Date: 11/01/2019
Term	APY*	Minimum Amount
91 Days	0.50%	$2,500
182 Days	0.70%	$2,500
365 Days	1.75%	$2,500
18 Months	1.85%	$5,000
24 Months	2.00%	$5,000
30 Months	2.10%	$5,000
36 Months	2.20%	$5,000
48 Months	2.40%	$5,000
60 Months	2.65%	$5,000
Rates are subject to change at any time without notice. Please call for the most current rates. A penalty will be imposed for early withdrawal. 3 months and 6 months CD - all interest accrued penalty. 1 to 2.5 years CD - 6 months of interest accrued penalty. 3-5 years CD - 9 months of interested accrued penalty. *Annual Percentage Yield

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