Rates
Dividend rates are in effect as of November 1, 2011. Dividend rates are subject to change without notice. APY represents the annual percentage yield when dividends remain on deposit for monthly compounding. A penalty will be imposed for early withdrawal on Share Certificate accounts.
Loan rates are in effect from November 1, 2011. Loan rates are available on approved credit. For current rates visit MHFCU or call us at 259-2000.
Savings Rates
| Share Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Regular Shares | $25.00 | 0.11% | 0.110% |
| Share Draft | $0.00 | 0.10% | 0.100% |
| Christmas Club | $5.00 | 0.25% | 0.250% |
| Health-E Club Christmas | $5.00 | 0.35% | 0.351% |
| Vacation Club | $5.00 | 0.25% | 0.250% |
| Health-E Club Vacation | $5.00 | 0.35% | 0.351% |
| IRA Shares | $5.00 | 0.16% | 0.160% |
| High Yield Shares | $2500 - $19,999.99 | 0.15% | 0.150% |
| $20,000 - $49,999.99 | 0.20% | 0.200% | |
| $50,000.00 - $99,999.99 | 0.30% | 0.300% | |
| $100,000.00 + | 0.40% | 0.401% | |
| Share Certificates | Minimum Balance | Dividend Rate | APY* |
| 3 month | $500.00 | 0.15% | 0.150% |
| 3 month Youth & Teen CD | $100.00 | 0.35% | 0.351% |
| 6 month | $500.00 | 0.30% | 0.300% |
| 12 month | $500.00 | 0.40% | 0.401% |
| 18 month | $500.00 | 0.50% | 0.501% |
| 24 month | $500.00 | 0.75% | 0.753% |
| 30 month | $500.00 | 0.85% | 0.854% |
| 36 month | $500.00 | 1.00% | 1.005% |
| 48 month | $500.00 | 1.35% | 1.359% |
| 36 month | $500.00 | 1.00% | 1.005% |
| 48 month | $500.00 | 1.35% | 1.359% |
| HEALTH-E CLUB MEMBERS enjoy a premium of .15% on all regular certificates of deposit. | |||
| IRA Shares & Certificates | Minimum Balance | Dividend Rate | APY* |
| Shares | $5.00 | 0.16% | 0.160% |
| 3 month | $500.00 | 0.25% | 0.250% |
| 6 month | $500.00 | 0.35% | 0.351% |
| 12 month | $500.00 | 0.45% | 0.451% |
| 18 month | $500.00 | 0.55% | 0.552% |
| 24 month | $500.00 | 0.80% | 0.803% |
| 30 month | $500.00 | 0.90% | 0.904% |
| 36 month | $500.00 | 1.05% | 1.055% |
| 48 month | $500.00 | 1.40% | 1.409% |
APY* represents the annual percentage yield when dividends remain on deposit for monthly compounding.
Loan Rates
Loan rates at MHFCU are based on the amount borrowed, the term of the loan, and your individual credit history. Please call our friendly Account Services Reps for details.
Real Estate Loans
| Type | Term | APR* |
|---|---|---|
| 1st & 2nd Mortgages | Prevailing terms and rates apply | |
| Home Equity Loans | up to 60 months | Rates are based on loan |
| Home Equity Loans | 61-120 months | amount, term, and |
| Home Equity Loans | 121-180 months | credit history |
| Home Equity Lines of Credit | 6 year draw, 180 months | Variable Rate, Index = Prime |
| Mobile Home Loans | 60 months | 13.50% |
|
all rates APR |
||
Specialty Loans
| Type | APR* |
|---|---|
| VISA Credit Card | 10.95% |
| Share Secured | 4.00% |
| Overdraft Protection | 13.00% |
| Share Certificate Secured | +2.00% over certificate rate, rounded up to the nearest .5% |
| HEALTH-E CLUB LOAN SPECIAL | |
| Secured and Unsecured Consumer Loans, All Terms | .25% discount on regular rate |
*APR - Annual Percentage Rate
Fee Schedule
| Effective 07/01/2011 | Standard Fees | Health-E Club Fees |
|---|---|---|
| Share Account-Related Fees | ||
| Auto Transfer Fee/NSF | $3.00 | $3.00 |
| Bad Address Fee | $10.00 after 3 statement cycles |
$10.00 after 3 statement cycles |
| Check Cashing Fee (Low Balance Accts) |
$5.00 | $5.00 |
| Check Copy | $6.00 | $3.00 |
| Courtesy Pay Fee | $25.00 | $25.00 |
| Dormant Account Fee | $10.00/Quarter | $10.00/Quarter |
| Escheat Fee/Dormant Accounts | $50.00 | $50.00 |
| NSF Fee | $25.00 | $25.00 |
| Research Fee | $25.00/hour | $25.00/hour |
| Return Deposited Item Fee | $5.00 | $4.00 |
| Statement Copy | $6.00/Month | $3.00/Month |
| Stop Payment Fee | $20.00 | $20.00 |
| Temporary Checks | $7.00/12 checks | $5.00/12 checks |
| Loan-Related Fees | ||
| HELOC Loan Application Fee | $100.00 | $100.00 |
| Loan Application Fee/Online | FREE | FREE |
| Loan Application Fee/Paper | $25.00 | $25.00 |
| Real Estate Loan Origination Fee | 1% of Loan Value | 1% of Loan Value |
| Product Fees | ||
| ATM/Debit Lost Cards | $10.00 | $10.00 |
| Coin Counting/Processing Fee | Industry Standard | FREE |
| Early Account Close Fee | $10.00 if closed within 3 months of opening account |
|
| Fax | $.25 local $.50 long distance |
FREE |
| IRA Close & Transfer to another institution |
$25.00 | $25.00 |
| Notary Service | FREE | FREE |
| OnLine BillPay Classic | $3.95 | FREE |
| OnLine BillPay Plus | $4.95 | $4.95 |
| Photocopies | $.25/page | FREE |
| Teller Checks | $1.50 | FREE |
| VISA Gift Cards | $1.95 + gift amount | $1.95 + gift amount |
| VISA Lost Cards | $10.00 | $10.00 |
| VISA Return Payment | $25.00 | $25.00 |
| VISA Sales Draft Copy | $6.00 | $6.00 |
| VISA Statement Copy | $5.00 | $5.00 |
| Wire Transfers - Incoming | $5.00 | FREE |
| Wire Transfers - Outgoing | $10.00 | $7.50 |
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