Rates

Loan Rates – Effective Thursday, July 29, 2010
Loan Type Rates as low as Terms/Information
New Auto 24 month term 5.000% We make getting the new car easy. 52 bi-weekly payments
New Auto 48 month term 5.500% Convenience is our motto. 104 bi-weekly payments
New auto 60 month term 5.250% 130 bi-weekly payments
Used Auto 24 month term 6.000% No credit crunch here. 52 bi-weekly payments
Used Auto 36 month term 6.000% We have plenty of money to lend. 78 bi-weekly payments
Used Auto 60 month term 6.500% We make getting your next loan easy. 130 bi-weekly pmnts
Used Auto 48 month term 6.250% We make getting your next loan easy. 104 bi-weekly payments
Used Auto 2002 and Older 6.500% Up to 104 bi-weekly payments
New Boat 60 month term 7.000% Let us get you on the water fast. 130 bi-weekly payments
New Boat 120 month term 7.000% We specialize in boat loans. 260 bi-weekly payments
New Boat 180 month term 7.500% Need a great term try this one on for size
Used Boat 60 month term 7.500%
Used Boat 120 month term 8.000%
Used Boat 180 month term 8.500% 390 bi-weekly payments
Consolidation loan 12.000% 78 bi-weekly payments
Vacation loan 9.900% Let us get you on your way on your dream trip
Personal loan 12 month term 11.500% This loan is for any reason. 26 bi-weekly payments
Personal loan 24 month term 12.000% This loan is for any reason. 52 bi-weekly payments
Personal loan 36 month term 12.250% This loan is for any reason. 78 bi-weekly payments.
Personal loan 48 month term 12.500% 104 bi-weekly payments
Personal loan 60 month term 12.500% 130 bi-weekly payments
New recreational vehicle 7.000% Includes campers, four wheelers, and personal water craft
Used recreational vehicle 7.500% Let us help you have some fun. 130 bi-weekly payments
New motorcycle 5.500% Fun on two wheels, let us help you that special bike
Used motorcycle 6.000% 130 bi-weekly payments
New Auto 36 month term 5.500% We make getting a new car easy. 78 Bi-Weekly payments
Share Secured Loan 3.250%
Holiday Loan 9.900%

* New/Recent Auto/Motorcycle (2009-2010)
** Used Auto/Motorcycle  (2003-2008)
*** MSECU members must satisfy a three month membership period with regular savings to qualify for a loan.

Certificate Rates – Effective Thursday, July 29, 2010
Certificate Term APR APY Minimum Deposit
6 MONTH CERTIFICATE 0.998% 1.000% $500.00
12 MONTH CERTIFICATE 1.444% 1.450% $500.00
18 MONTH CERTIFICATE 1.490% 1.500% $500.00
24 MONTH CERTIFICATE 1.740% 1.750% $500.00
36 MONTH CERTIFICATE 2.230% 2.250% $500.00
48 MONTH CERTIFICATE 2.469% 2.500% $500.00
60 MONTH CERTIFICATE 2.970% 3.010% $500.00
1 YR IRA CERTIFICATE 1.444% 1.450% $500.00
2 YR IRA CERTIFICATE 1.740% 1.750% $500.00
3 YR IRA CERTIFICATE 2.230% 2.250% $500.00
4 YR IRA CERTIFICATE 2.469% 2.500% $500.00
5 YR IRA CERTIFICATE 2.970% 3.010% $500.00
Savings Rates – Effective Tuesday, December 1, 2009
Account Type APR APY Minimum
Deposit		 Minimum
Balance
MAIN SHARE 0.250% 0.000% – 0.250% $25.00 $50.00
CHRISTMAS CLUB 0.250% 0.000% – 0.250% $0.00 $0.00
VACATION CLUB 0.250% 0.000% – 0.250% $0.00 $0.00
BASIC CHECKING 0.000% 0.000% – 0.000% $0.00 $0.00
INTEREST CHECKING 0.250% 0.000% – 0.250% $0.00 $0.00
FREE INTEREST CHECKING 0.250% 0.000% – 0.250% $0.00 $0.00
MONEY MARKET 0.600% 0.000% – 0.600% $25.00 $2,000.00
MONEY MARKET 0.800% 0.000% – 0.800% $25.00 $10,000.00
MONEY MARKET 1.000% 0.000% – 1.010% $25.00 $25,000.00
MONEY MARKET 1.100% 0.000% – 1.110% $25.00 $50,000.00
TRADITIONAL IRA MONEY MARKET 0.600% 0.000% – 0.600% $25.00 $2,000.00
TRADITIONAL IRA MONEY MARKET 0.800% 0.000% – 0.800% $25.00 $10,000.00
TRADITIONAL IRA MONEY MARKET 1.000% 0.000% – 1.010% $25.00 $25,000.00
TRADITIONAL IRA MONEY MARKET 1.100% 0.000% – 1.110% $25.00 $50,000.00
ROTH IRA MONEY MARKET 0.600% 0.000% – 0.600% $25.00 $2,000.00
ROTH IRA MONEY MARKET 0.800% 0.000% – 0.800% $25.00 $10,000.00
ROTH IRA MONEY MARKET 1.000% 0.000% – 1.010% $25.00 $25,000.00
ROTH IRA MONEY MARKET 1.100% 0.000% – 1.110% $25.00 $50,000.00
EDUCATIONAL IRA MONEY MARKET 0.600% 0.000% – 0.600% $25.00 $2,000.00
EDUCATIONAL IRA MONEY MARKET 0.800% 0.000% – 0.800% $25.00 $10,000.00
EDUCATIONAL IRA MONEY MARKET 1.000% 0.000% – 1.010% $25.00 $25,000.00
EDUCATIONAL IRA MONEY MARKET 1.100% 0.000% – 1.110% $25.00 $50,000.00
SECONDARY SHARE 0.250% 0.000% – 0.250% $0.00 $50.00