Rates effective as of January 14, 2011 Rates can change without prior notice SIGNATURE LOAN SPECIAL 6.9% for $5000 up to 36 Months (Subject to Approval) Call Credit Union for current rates 800-344-5262 Mountain Heritage Federal Credit Union offers a wide variety of loans, including home, auto, and personal loans.  Loan rates change periodically, so be sure to check in and see what YOUR credit union can do for you.  When you find a loan you want check out our loan application page to easily apply on line.  Want to know what your payment might be -- check out our loan calculator. Vehicle loans   NEW  Term in months Rates fees, and extended warranties    Limited to purchase price, taxes   24 or 36 48  60 4.50% - 10.50%  APR 5.00% - 11.00%  APR 5.25% - 11.25%  APR for amounts over $23,000 72 6.40% - 12.40% APR for amounts over $40,000 84 8.00% - 14.00% APR Vehicle loans USED (100% of NADA Retail) If car is older than 5 years the longest term is 48 months If car is older than 6 years the longest term is 36 months 24 or 36 48 60   5.00% - 11.00% APR 5.25% - 11.25% APR|| 5.75% - 11.75% APR   Share Secured (Shares)                                                          minimum rate is 6% APY       3% above dividend rate at time of disbursement Shares Secured (CertificateAccounts)        minimum rate is 6% APY                    3% above dividend rate at time of disbursement Motorcycles                    (New) 60 7.00% - 13.00% apr (Used) 60 7.50% - 13.50% apr RV's, Boats   (New) 60 7.00% - 13.00% apr (amounts over $20,000) 66 7.50% - 13.50% apr (amounts over $25,000) 72 8.00% - 14.00% apr (amounts over $35,000) 84 8.50% - 14.50% apr  (Used) 60 8.00% - 14.00% apr     72  8.50% - 14.50% apr Motor Homes (New) 120 6.75% - 10.25%  apr                  (Used) if over 15 yrs old maximum term 15 yrs 96 7.75% - 13.75% apr     Farm Equipment  (New) 120 7.00% - 13.00% apr                                   (Used) 60 8.00% - 14.00% apr     Signature Loans 60 11.00% - 17.00%  apr *APR = Annual Percentage Rate Savings Minimum Balance Dividend/ Interest Rate% APY* Shares       $5.00  .10%  .10% Share Draft (Checking)       N/A N/A Club Account (Christmas & Vacation)   .40% .40% IRA   1.00% 1.00% Money Market Accounts -- Free Checks Limited to 3 check withdrawals a month If you write more than 3 checks a fee of $20.00 per check will be charged.  If drops below $1,000.00 no dividends will be paid for that month. $1,000.00 $10,000.00 .20% .50%  .20% .50% *APY = Annual Percentage Yield Substantial Penalty for Early Withdrawals Effective July 1, 2011 Certificates Minimum Deposit Dividend/ Interest Rate Term APY*     6 month $500 .40% 6 month .40%   12 month $500 .45% 12 month .45%    24 month $500 .75% 24 month .75%     36 month $500 1.00% 36 month 1.00%     48 month $500 1.25% 48 month 1.26%     60 month $500 2.00% 60 month 2.02% *APY = Annual Percentage Yield