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Hours & Locations
ATM Locations
Current Rates
Contact Us

700 E. Sharon Ave.
Houghton, MI 49931

Phone: 906.482.5005
Fax: 906.482.2451

memberservices@mtefcu.org

Routing Number: 291172682


Tuesday, May 23rd - 12:57 PM

Rates

Rates current as of April 27, 2017. Rates are subject to change without notice.

Deposits Dividend Rate APY*
Share Savings 0.05% 0.05%
Member Perks: Tiered Savings
$0.00-$2,499.99 0.05% 0.05%
$2,500 & above 0.15% 0.15%
IRAs 0.15% 0.15%
HSAs 0.15% 0.15%
Share Certificates*** – ($500 minimum)
6 Month 0.45% 0.45%
12 Month 0.60% 0.60%
24 Month 0.90% 0.90%
36 Month 1.15% 1.16%
48 Month 1.45% 1.46%
60 Month 1.65% 1.66%
Youth Share Certificates*** – ($125 minimum)
6 Month 0.45% 0.45%
Vehicle Loans APR**
New Auto (2016-2017)
24 Month 1.99%
36 Month 1.99%
48 Month 2.49%
60 Month 2.74%
72 Month 2.74%
84 Month 3.74%
Used Auto (2010-2015)
24 Month 2.99%
36 Month 3.24%
48 Month 3.49%
60 Month 3.74%
72 Month 4.49%
New Recreational (2016-2017)
24 Month 1.99%
36 Month 1.99%
48 Month 2.49%
60 Month 2.74%
72 Month 2.74%
84 Month 3.74%
Used Recreational (2010-2015)
 24 Month 3.49%
36 Month 3.49%
48 Month 3.49%
60 Month 3.74%
72 Month 4.49%
Personal Loans APR**
Personal Loan 7.75%
Single Payment Term Note 7.75%
Personal Lines of Credit 12.00%
Overdraft Lines of Credit 12.00%
Visa Cashback Credit Card 8.90%
Xpress Payday Loan 18.00%
Home Equity APR**
Home Equity Line of Credit 4.50%
Fixed-Rate Home Equity Loan
60 Month 4.75%
84 Month 5.00%
120 Month 5.50%
Mortgage Loans APR**
Home Purchase See loan officer for details
Home Refinance See loan officer for details
Construction Loan See loan officer for details
Raw Land Loan See loan officer for details

*Annual Percentage Yield

**Annual Percentage Rate – All rates are “as low as” indicating the lowest possible rate. Loan approval based on satisfactory credit rating. The rate and term will vary depending on the credit score.

***Share Certificate early withdrawal penalty may be imposed for withdrawals before maturity.

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