Current Rates
Loan Rates
| Term | Credit Score 725+ | Credit Score 680-724 | Credit Score 640-679 | Credit Score 600-639 | Credit Score 560-599 | Credit Score 559 & Under |
|---|---|---|---|---|---|---|
| up to 48 Months 100,000 max miles |
6.750% | 7.750% | 8.750% | 10.750% | 11.750% | 12.750% |
| 49 - 64 Months 75,000 max miles |
7.000% | 8.000% | 9.000% | 11.000% | 12.000% | 13.000% |
| Loan amount greater than $20,000 | ||||||
| 65 - 84 Months 45,000 max miles |
7.500% | 8.500% | 9.500% | 11.500% | 12.500% | 13.500% |
| Percentage added to loan interest rate for excessive mileage | ||||||
| Any | 0.250% | 0.250% | 0.250% | 0.250% | 0.250% | 0.250% |
Rates for auto loans can be adjusted for other factors such as loan to value and excessive mileage. All loan rates are subject to approval. A 50-basis point discount on the interest rate if loan pays by payroll deduction. Rates quoted to not include the discount available.
MariSol does not accept a vehicle with a salvage title for loan collateral. The monthly payment on a loan for $25,000 at 4.00% APR for 64 months is $434.48.
| Type | Term | Credit Score 725+ | Credit Score 680-724 | Credit Score 640-679 | Credit Score 600-639 | Credit Score 560-599 | Credit Score 559 & under |
|---|---|---|---|---|---|---|---|
| New RV/Motor home 2022 & up |
Up to 180 Months | 8.000% | 9.000% | 10.000% | 12.000% | 13.000% | 14.000% |
| Used RV/Motor home 2013-2021 |
Up to 180 Months | 9.000% | 10.000% | 11.000% | 13.000% | 14.000% | 15.000% |
| New Motorcycle 2022 & up |
Up to 64 Months | 8.000% | 9.000% | 10.000% | 12.000% | 13.000% | 14.000% |
| Used Motorcycle 2013-2021 |
Up to 64 Months | 9.000% | 10.000% | 11.000% | 13.000% | 14.000% | 15.000% |
| New & Used Boat, ATVs & Ski Jets 2018-2025 |
Up to 64 Months | 9.000% | 10.000% | 11.000% | 13.000% | 14.000% | 15.000% |
| Type | Term | Credit Score 725+ | Credit Score 680-724 | Credit Score 640-679 | Credit Score 600-639 | Credit Score 560-599 | Credit Score 559 & under |
|---|---|---|---|---|---|---|---|
| Signature - fixed rate and term | Up to 72 Months | 11.000% | 12.000% | 13.000% | 15.000% | 16.000% | 17.000% |
| Quick Loan $50.00 non-refundable application fee/Non-credit qualification |
8 Months | 17.000% | 17.000% | 17.000% | 17.000% | 17.000% | 17.000% |
| Line of Credit | Open | 15.000% | 15.000% | 15.000% | 15.000% | 15.000% | 15.000% |
| Loans secured by Savings (Shares) | Up to 60 Months | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% | 5.000% |
| Loan secured by Share Certificates (CDs) | Term of CD | 3% over CD rate | 3% over CD rate | 3% over CD rate | 3% over CD rate | 3% over CD rate | 3% over CD rate |
| Type | Term | Credit Score 725+ | Credit Score 680-724 | Credit Score 640-679 | Credit Score 600-639 | Credit Score 560-599 | Credit Score 559 & under |
|---|---|---|---|---|---|---|---|
| Smart E - Energy Efficient/Solar Loans | up to 60 months | 6.490% | 6.490% | 6.490% | 6.490% | 6.490% | 6.490% |
| Smart E - Energy Efficient/Solar Loans | 61 to 119 months | 6.990% | 6.990% | 6.990% | 6.990% | 6.990% | 6.990% |
| Smart E - Energy Efficient/Solar Loans | 120 to 143 months | 6.990% | 6.990% | 6.990% | 6.990% | 6.990% | 6.990% |
| Smart E - Energy Efficient/Solar Loans | 144 to 240 months | 7.490% | 7.490% | 7.490% | 7.490% | 7.490% | 7.490% |
| Appliance and Air Conditioning Loan | up to 72 months | 6.990% | 6.990% | 6.990% | 6.990% | 6.990% | 6.990% |
| Type | Term | Credit Score 725+ | Credit Score 680-724 | Credit Score 640-679 | Credit Score 600-639 | Credit Score 560-599 | Credit Score 559 & under |
|---|---|---|---|---|---|---|---|
| Secured with collateral, up to $50,000 | Up to 84 Months | 7.750% | 8.750% | 9.750% | 11.750% | 12.750% | 13.750% |
| Signature, fixed rate and term, up to $50,000 | Up to 60 Months | 9.000% | 10.000% | 11.000% | 13.000% | 14.000% | 15.000% |
*Rate is dependent upon credit score and term of loan and mileage. MFCU reserves the right to require a down payment. A 50 basis point discount on the interest rate if a 10% or more down payment on a used or new vehicle. A 50 basis point discount on the interest rate if loan pays by payroll deduction. No salvage titles. The payment on a $25,000 loan at 64 months at 5.15% APR is $447.56.
| Loan to Value | Rate | Margin |
|---|---|---|
| Under 75% | 7.75% | 0.00% |
| 76-80% | 8.00% | 0.50% |
| 81-85% | 8.50% | 1.00% |
MariSol only lends on owner-occupied residential property in the State of Arizona. This is a variable rate loan based on a margin plus an index; the index is the Wall Street Journal Prime Rate. Margin is based on approval and loan to value. The loan rate is adjusted on January 1st of each year. The maximum interest rate is 14.00%, also called the ceiling rate. The minimum interest rate is 4.00%, also called the floor rate. There is no application fee or annual fee. There are no closing costs except for an appraisal fee, which costs range from $300 to $600. The borrower is required to pay for the appraisal fee at the time it is ordered by MariSol FCU. There is a $500.00 prepayment penalty in the first two (2) years of the loan.
This loan is a line of credit. There is a seven (7) year draw period, then an eight (8) year repayment. Payment is based on 1.50% of the balance; for example, a loan with a balance of $50,000 would be a $750.00 monthly payment. Please see the link for a copy of the Home Equity Line of Credit Disclosure for a complete disclosure of terms.
| Loan Amount | Rate up to 90% LTV | APR |
|---|---|---|
| up to $80,000 | 6.500% | 6.500% |
Loan for Arizona owner occupied homes only. Rate for first or second lien position. This is a fixed rate loan. There are no closing costs, annual fee, or appraisal fee. There is a $500.00 pre-payment fee in the first two years of the loan. This is a line of credit. There is a five (5) year draw period, then a ten (10) year repayment period. Payment is calculated on 1.20% of the balance, for a $80,000 balance, the monthly payment is $960.00. Your application does not constitute a rate lock.
15 Year Fixed Rate Mortgage
CALL 602-252-6831 ASK FOR THE LOAN DEPARTMENT FOR CURRENT RATES. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND ANY MORTGAGE RATE QUOTED IS NOT FIRM UNTIL IT IS LOCKED IN BY THE BORROWER AND THE LENDER IN WRITING.
MARISOL ONLY LENDS ON OWNER-OCCUPIED RESIDENTIAL PROPERTY IN THE STATE OF ARIZONA.
NMLS# 799641
30 Year Fixed - Pay Yourself Mortgage
CALL 602-252-6831 ASK FOR THE LOAN DEPARTMENT FOR CURRENT RATES. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND ANY MORTGAGE RATE QUOTED IS NOT FIRM UNTIL IT IS LOCKED IN BY THE BORROWER AND THE LENDER IN WRITING.
MARISOL ONLY LENDS ON OWNER-OCCUPIED RESIDENTIAL PROPERTY IN THE STATE OF ARIZONA. THERE ARE INCOME GUIDELINES FOR THE PAY YOURSELF MORTGAGE. PLEASE CONTACT THE LENDING DEPARTMENT AT MARISOL FEDERAL CREDIT UNION FOR ALL PRODUCT GUIDELINES.
NMLS# 799641
Savings Rates
| Account | Dividend Rate | APY |
|---|---|---|
| Regular Savings | 0.020% | 0.020% |
| Kids Club Account | 0.250% | 0.250% |
| Vacation & Christmas Club Accounts | 0.250% | 0.250% |
View our Truth in Savings Disclosure
| Tier | Dividend Rate | APY |
|---|---|---|
| $1,000 - $24,999 | 0.300% | 0.310% |
| $25,000 - $49,999 | 0.400% | 0.410% |
| $50,000+ | 0.500% | 0.520% |
View our Truth in Savings Disclosure
| Term | Dividend Rate | APY | 1st Service | 2nd Service | 3rd Service |
|---|---|---|---|---|---|
| 6 Months | 1.350% | 1.358% | 1.400% | 1.450% | 1.500% |
| 12 Months | 2.000% | 2.018% | 2.050% | 2.100% | 2.150% |
| 24 Months | 2.350% | 2.375% | 2.400% | 2.450% | 2.500% |
| 36 Months | 2.850% | 2.890% | 2.900% | 2.950% | 3.000% |
| 60 Months | 3.000% | 3.040% | 3.050% | 3.100% | 3.150% |
Minimum balance is $500.
* APY = Annual Percentage Yield
There are penalties for early withdrawal from a share certificate. IRA's have an Annual Service Fee of $15.00.
Thank You for being a Member Program - Program Details
Earn an additional .05% on your certificate for each of the following services:
- Payroll or Direct deposit
- A MFCU Checking Account
- A MFCU MasterCard
View our Truth in Savings Disclosure
| Amount | Dividend Rate | APY |
|---|---|---|
| $5.00 to $9,999 | 0.30% | 0.30% |
| $10,000 and above | 0.40% | 0.40% |
| Term | Dividend Rate | APY | 1st Service | 2nd Service | 3rd Service |
|---|---|---|---|---|---|
| 6 Months | 1.350% | 1.358% | 1.400% | 1.450% | 1.500% |
| 12 Months | 2.000% | 2.018% | 2.050% | 2.100% | 2.150% |
| 24 Months | 2.350% | 2.375% | 2.400% | 2.450% | 2.500% |
| 36 Months | 2.850% | 2.890% | 2.900% | 2.950% | 3.000% |
| 60 Months | 3.000% | 3.040% | 3.050% | 3.100% | 3.150% |
| 12 Month Coverdell IRA | 2.350% | 2.375% | 2.400% | 2.450% | 2.500% |
Minimum balance is $500. Maximum balance for a 12 Month Coverdell IRA is $2,000.
* APY = Annual Percentage Yield
There are penalties for early withdrawal from a share certificate. IRA's have an Annual Service Fee of $15.00.
Thank You for being a Member Program - Program Details
Earn an additional .05% on your certificate for each of the following services:
- Payroll or Direct deposit
- A MFCU Checking Account
- A MFCU MasterCard
View our Truth in Savings Disclosure
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.
These rates are subject to change without prior notice. Please check this page often for the most current rates.
Note: Dividends are paid from current income and available earnings after required transfer at the end of the dividends period and not guaranteed.
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