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Routing # 111993763

Rates

Investment Certificate Account Rates
Term Minimum Opening Deposit Dividend Rate Annual Percentage Yield
12 $2500 2.00% 2.02%
18 $5000 2.50% 2.52%
24 $5000 3.00% 3.03%

Dividends compound monthly, and are credited quarterly. No additional deposits allowed. Withdrawals only allowed from dividends.

Auto Loans
Type of Loan Term Interest Rates
New & Current Year Used Cars, Trucks & non-purchase collateral Up to 72 months 4.99% - 13.49%*
Used Vehicles
(1 - 2 yrs. Old) & non-purchase collateral		 Up to 72 months 5.49% - 13.99%**
Used Vehicles
(3 - 4 yrs. Old) & non-purchase collateral		 Up to 60 months 649% - 14.49%**
Used Vehicles
(5yrs. Older) & non-purchase collateral		 Up to 48 Months 6.99% - 14.99%**
Auto Refinancing Up to 60 months TBD***

* Rates determined by the overall credit worthiness of each applicant.

** Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle.

*** 1. Rates determined by the overall credit worthiness of each applicant. 2.Applicant has the option to include necessary fees in loan amount.

Boats & RVs
Type of Loan Term Interest Rates
New Boats & RVs Up to 72 months 7.50% - 16.00%
Used Boats & RVs Up to 48 monts 9.25% - 17.00%

Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle.

Motorcycles
Type of Loan Term Interest Rates
New Motorcycles Up to 60 months 5.50% - 15.00%
Used Motorcycles Up to 48 months 9.50% - 17.00%

Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle.

Share and Signature Loans
Type of Loan Term Interest Rates
Signature Loan
(no collateral)
$500 - $3,500		 6 to 24 months 9% - 17%*
Share secured Loans
(up to amount on deposit)		 6 to 60 months 3.99%**

* Rates determined by the overall credit worthiness of each applicant.

** 1. Member's Share account must be pledged as security for Loan. 2. Share account balance must be equal to or greater than loan payoff at all times.

 

Effective: March  1, 2024

Share Balances
Amount Dividend
Less than $1,000 0.10% APY
Equal to or greater than $1,000 0.75% APY

Rates are subject to change as determined by the MOBC FCU Board of Directors.

For more detail or current rates, and special offers please contact the Mount Olive Baptist Church Federal Credit Union

NOTE: The dividend rates are based on the average daily balances of share accounts on record as of March 31, 2024.

Rates are determined by the MOBC FCU Board of Directors. Dividends are paid quarterly from current income and available earnings. Dividends are calculated on the daily balance method and posted by the first day following the end of the dividend period.

  • New & Current
    Year Auto
    as low as
    4.99
    %
    APR*
    Calculate
  • New
    Motorcycles
    as low as
    5.50
    %
    APR*
    Calculate
  • New Boats
    & RVSs
    as low as
    7.50
    %
    APR*
    Calculate
  • Share
    Dividend
    as high as
    0.75
    %
    APY*
    Calculate