Rates

Rates

Loans | Savings | Certificates

*LOAN APPLICATIONS ARE TAKEN MONDAY THROUGH FRIDAY*
*LOAN OFFICERS ARE AVAILABLE EVERYDAY TO APPROVE LOANS*
*CREDIT DISABILITY AND LIFE INSURANCE IS AVAILABLE ON ALL QUALIFYING LOANS*

*APR= Annual Percentage Rate *APY = Annual Percentage Yield

All rates listed are subject to change without prior notice.

Loan Rates are effective: January 1, 2012
*4.00% APR Applies to New purchases or refinanced from another financial institution. Rate does not apply on collateral loans currently financed with Morgantown AES FCU.

*Insurance covers only the " actual cash value" of your vehicle-
regardless of how much you owe!
We now offer GAP insurance ask a Member Service Rep for details.*
(WNC First Insurance Services)

If your factory warranty will be expiring soon, Call the Credit Union
for a free quote to protect your vehicle with a extended warranty
from Route 66 Extended Warranty.

With a Route 66 warranty you get a $0 Deductible, Rental Car Benefit,
Roadside Service, 30-day Money Back Guarantee, and a better value
then other warranty plans. Call us for information today!!

*4.00% APR Applies to New purchases or refinanced from another financial institution. Rate does not apply on collateral loans currently financed with Morgantown AES FCU.

Loans		Rate	APR*	Term
Signature Loans		Loan Calculator
Amount you can borrow depends on credit score, term depends on amount financed.		8.50	8.50	12 - 60
Share Secured Loans
Borrow up to maximum amount in your shares account or certificate (cd) account		4.00	4.00
New Vehicle/Motorcycle	Loan Calculator	Rate	APR*	Term
2012- (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	36
2012 - (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	48
2012 - (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	60
2012 - (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	66
2012- must finance $20,000 or more (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	72
2012 - must finance $30,000 or more (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	78
2012 - must finance $40,000 or more (finance up to 100% of sticker price, plus tax, title & fees)		4.00	4.00	84
Used Vehicle/Motorcycle	Loan Calculator	Rate	APR*	Term
2012 (finance up to 100% of NADA retail value) TERM IS BASED ON NEW VEHICLES**		4.00	4.00	**
2011 - 2010 (finance up to 100% of NADA retail value)		4.00	4.00	60
2009 - 2007 (finance up to 100% of NADA retail value)		4.00	4.00	54
2006 - 2002 (finance up to 100% of NADA retail value)		4.00	4.00	48
2001-1999 (finance up to 100% of NADA retail value)		4.00	4.00	36
1998 - Older (finance up to 100% of NADA retail value) - (Pictures are required)		4.00	4.00	24
New Recreational Vehicle/Boat	Loan Calculator	Rate	APR*	Term
Finance up to 100% of sticker price		NEW CAR RATES APPLY		66-or less
Finance up to 100% of sticker price		4.00	4.00	72
Finance up to 100% of sticker price		4.00	4.00	73-120
Used Recreational Vehicle/Boat	Loan Calculator	Rate	APR*	Term
Finance up to 100% of NADA retail value		USED CAR RATES APPLY		60 or less
Finance up to 100% of NADA retail value		4.00	4.00	61-120
Reconstructed/Scrapped/Flood Damaged/Salvage Vehicles	Loan Calculator	Rate	APR*	Term
Only finance up to 50% of NADA retail value		Rate and Term is based on the year of vehicle
Classic Vehicles	Loan Calculator	Rate	APR*	Term
Finance up to 100% of NADA retail value - (Pictures are required)		Used Recreational Vehicle rates & terms apply
VISA® Credit Card	Loan Calculator	Rate	APR*	Term
No annual fee, no cash advance fee, fixed rate		9.75	9.75	n/a

*APR= Annual Percentage Rate *APY = Annual Percentage Yield

All rates listed are subject to change without prior notice.

Saving Rates are effective: January 1, 2012

*Go To Loan Application | Go To Calculators | Back to Top

Savings	Minimum Balance	Dividend Rate	APY*
Accounts
Shares ($5.00 - $99.99)	$5.00	.00%	.000%
Shares ($100 - Over)	$100	.15%	.150%
Share Draft** ($0.00-99.99)		.00%	.000%
Share Draft** ($100 - OVER)	$100	.00%	.000%
Vacation Clubs** ($0.00 - 99.99)		.00%	.000%
Vacation Clubs** ($100 - OVER)	$100	.15%	.150%
Christmas Clubs** ($0.00 - 99.99)		.00%	.000%
Christmas Clubs** ($100 - OVER)	$100	.15%	.150%

Certificates	Minimum Deposit	Dividend Rate	APY*
6 Months	$500.00	.15%	.150%
12 Months	$1,000.00	.30%	.300%
24 Months	$1,000.00	.50%	.501%
36 Months	$1,000.00	.75%	.752%

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