• No Alerts at this time. MECU: Baltimore's Credit Union

  • No Alerts at this time. MECU: Baltimore's Credit Union

View all Deposit Rates View all Loan Rates

Featured Rates

Get updated information about great rates for mortgages, auto loans and more.


Conventional Mortgage Rates

Rates as of:  
Account Type Base Rate APR*
(as low as)
Monthly Payment*
($150,000 loan amount)
0 Points Option
30-year fixed rate4.000%4.088%$716.12
20-year fixed rate3.750%3.871%$889.33
15-year fixed rate3.250%3.404%$1054.00
10-year fixed rate3.000%3.222%$1448.41
10/1 ARM (adjustable rate)3.625%3.610%$684.08
7/1 ARM (adjustable rate)3.375%3.452%$663.14
5/1 ARM (adjustable rate)3.250%3.405%$652.81
3/1 ARM (adjustable rate)2.750%3.307%$612.36
1 Point Option
30-year fixed rate3.750%3.918%$694.67
20-year fixed rate3.500%3.732%$869.94
15-year fixed rate3.000%3.295%$1035.87
10-year fixed rate2.750%3.178%$1431.17
We also offer FHA mortgage loans.
Call us 24/7 at 800-373-2914 to learn why an FHA may make it more affordable to buy your home.

*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.

New & Used Auto Rates

Rates as of:  
  Fixed APR*
(as low as)
Repayment Terms Monthly Payment*
(per $1,000 borrowed)
10% Down Payment Options
New / Used / Refinance1.99%12 - 48 Months$21.69
New / Used / Refinance2.49%49 - 60 Months$17.74
New / Used / Refinance2.99%61 - 72 Months$15.19
New / Used / Refinance3.49%73 - 84 Months$13.44
0% Down Payment Options
New / Used / Refinance2.24%12 - 48 Months$21.80
New / Used / Refinance2.74%49 - 60 Months$17.85
New / Used / Refinance3.24%61 - 72 Months$15.30
New / Used / Refinance3.74%73 - 84 Months$13.55

* 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. 

 ** Monthly payment is per each $1,000 borrowed at the maximum stated repayment term. 

Checking Rates *

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
Free Checking0.10%0.10%$25
CashBack Checking0%0%$25
Balances from $0.00 to $9,999.992.48%2.51%$25
Amount of Balance $10,000.00 and over0.74%0.75%$25

*   Fees could reduce the earnings on these accounts. Rate subject to change following account opening.

** Higher interest rates and yields are earned when qualifications are met during the monthly cycle. RewardChecking Accounts will receive a rate of 0.10% APY if qualifications are not met in the cycle.


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