Get updated information about great rates for mortgages, auto loans and more.
View all Deposit Rates View all Loan Rates
Rates as of:
||Annual Percentage Yield (APY)
||Minimum Initial Deposit
|14-month Smart Saver **||1.990%||2.00%||$50 †|
* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.
** Promotional Annual Percentage Yield (APY) of 2.00% effective as of 04/12/2018. 14-month CD is a limited time offer and available as fixed CD only. APY and promotion period are subject to change at any time without notice. A minimum opening deposit of $50 is required to earn interest and to obtain the promotional APY. Maximum deposit allowed is $100,000 per member. One CD per member. Additional deposits to principal during promotional term are allowed. At maturity, CD will roll into an 18-month term. A penalty will be imposed for early withdrawal before maturity. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
Rates as of:
† Minimum balance in order to earn stated APY.
(as low as)
($150,000 loan amount)
|0 Points Option|
|30-year fixed rate||4.125%||4.218%||$726.97|
|20-year fixed rate||4.000%||4.128%||$908.97|
|15-year fixed rate||3.500%||3.662%||$1072.32|
|10-year fixed rate||3.375%||3.609%||$1474.52|
|10/1 ARM (adjustable rate)||3.875%||4.182%||$705.36|
|7/1 ARM (adjustable rate)||3.750%||4.205%||$694.67|
|5/1 ARM (adjustable rate)||3.500%||4.194%||$673.67|
|3/1 ARM (adjustable rate)||3.250%||4.260%||$652.81|
|1 Point Option|
|30-year fixed rate||3.875%||4.048%||$705.36|
|20-year fixed rate||3.750%||3.989%||$694.67|
|15-year fixed rate||3.250%||3.554%||$673.67|
|10-year fixed rate||3.125%||3.565%||$652.81|
We also offer FHA mortgage loans.
*APR = Annual Percentage Rate based on a 80% Loan to Value ratio. While this page is updated regularly, rates are subject to change. Monthly Payment amount is based on a $150,000 loan amount for principal plus interest at the lowest available APR and does not include taxes and insurance which will increase your monthly payment. Your actual rate may be higher based on your credit score, loan amount, repayment term, collateral, credit history and ability to repay. Subject to verification of collateral. Adequate property and flood insurance is required. MECU membership required.
MECU also offers discounts for First Time Home Buyers and members who buy homes in Baltimore City.
Call us 24/7 at 800-373-2914 to learn why an FHA may make it more affordable to buy your home.
Rates as of:
* APR = Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The auto loan rates listed above is our lowest available rate for each repayment tier and includes a rate discount of 0.25% with direct payment. Refinance rates available only on loans refinanced from another lender. Your actual rate may be higher depending on down payment, collateral, amount financed, repayment term, credit history and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility, and verification of collateral.
(as low as)
(per $1,000 borrowed)
|10% Down Payment Options|
|New / Used / Refinance||3.25%||12 - 48 Months||$22.24|
|New / Used / Refinance||3.50%||49 - 60 Months||$18.19|
|New / Used / Refinance||3.75%||61 - 72 Months||$15.53|
|New / Used / Refinance||4.00%||73 - 84 Months||$13.67|
|0% Down Payment Options|
|New / Used / Refinance||3.50%||12 - 48 Months||$22.36|
|New / Used / Refinance||3.75%||49 - 60 Months||$18.30|
|New / Used / Refinance||4.00%||61 - 72 Months||$15.65|
|New / Used / Refinance||4.25%||73 - 84 Months||$13.78|
** Monthly payment is per each $1,000 borrowed at the maximum stated repayment term.