Mortgage & Loan Rates
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With a choice of fixed mortgages—Maple City has the mortgage that is right for you. The following are our residential mortgage rates for purchases and refinances along with our Home Equity, Property Improvement and Consumer Loan rates.
ALL RATES SUBJECT TO CHANGE AT ANY TIME
| Rate | Points | APR |
|---|---|---|
| 5.50% 1 | 0 | 5.500% 1 |
| 5.25% 1 | 1 | 5.340% 1 |
| Rate | Points | APR |
|---|---|---|
| 5.25% 1 | 0 | 5.250% 1 |
| 5.00% 1 | 1 | 5.101% 1 |
| Rate | Points | APR |
|---|---|---|
| 5.00% 1 | 0 | 5.000% 1 |
| 4.75% 1 | 1 | 4.869% 1 |
| Rate | Points | APR |
|---|---|---|
| 4.50% 1 | 0 | 4.500% 1 |
| 4.25% 1 | 1 | 4.399% 1 |
| Rate | Points | APR |
|---|---|---|
| 4.25% 1 | 0 | 4.250% 1 |
| 4.00% 1 | 1 | 4.213% 1 |
1 To obtain the above APR's, you must have a MCSB Free Checking or NOW Account and use AutoPay to deduct your loan payment from that account each month. Without AutoPay from Checking, add 0.25% to the base interest rate and corresponding APR.
FOR THE ABOVE APR'S THE MAXIMUM LOAN-TO-VALUE RATIO IS 80%. VALUE IS DETERMINED BY THE APPRAISAL OR PURCHASE PRICE, WHICHEVER IS LOWER. IF YOU NEED TO BORROW MORE THAN 80% OF THE VALUE OF THE PROPERTY, THE USE OF PRIVATE MORTGAGE INSURANCE (PMI) ALLOWS US TO LEND UP TO 97%! THE APR'S ON LOANS WITH PRIVATE MORTGAGE INSURANCE ARE A BIT HIGHER. PLEASE ASK FOR PMI INFORMATION.
| Term (up to) | Rate | APR |
|---|---|---|
| 5 Year 1 | 5.00% | 5.001% 1 |
| 10 Year 1 | 5.25% | 5.251% 1 |
| 15 Year 1 | 5.45% | 5.451% 1 |
1 To obtain the above APR's, you must have a MCSB Free Checking or NOW Account and use AutoPay to deduct your loan payment from that account each month. Without AutoPay from Checking, add 0.25% to the base interest rate and corresponding APR.
Maximum LTV ratio is 90%, if Maple City Savings has first Mortgage Lien Position
Maximum LTV ratio is 50%, if Maple City Savings does not have first Mortgage Lien Position
| 15 Years 3.75% Initial Adjustable Line of Credit |
|---|
|
(5 draw + 10 repay = 15 total) After the initial rate period expires, the account will have an Adjustable Rate, which can change any time the Wall Street Journal Prime Rate changes. There is a Lifetime Cap of 18% and a Rate Floor of 3.75%. Your rate will be the same as the highest Prime Rate as published in the Wall Street Journal plus a margin of 0.50%. MAXIMUM LOAN-TO-VALUE IS 90%. These loans must be secured with your primary residence. You may access the credit line by writing a check or using your HELOC ATM/Debit Card. Minimum initial draw is $2,500.00, there is no minimum amount for subsequent draws. |
| Term (up to) | Rate | Auto Loan Type | APR |
|---|---|---|---|
| 5 Years | 4.75% | For vehicles 2009 and newer | 4.757% |
| 5 Years | 5.25% | For vehicles 2006 and newer | 5.258% |
| 4 Years | 7.00% | For vehicles 2005 and older | 7.006% |
| Term (up to) | Rate | Loan Type | APR |
|---|---|---|---|
| 5 Years | 5.75% | Fully secured by a 2009 or newer vehicle | 5.758% |
| 4 Years | 6.25% | Fully secured by a 2006 or newer vehicle | 6.261% |
| 3 Years | 7.00% | Fully secured by a vehicle 2005 and older | 7.016% |
| Term (up to) | Rate | APR |
|---|---|---|
| 5 Year 1 | 8.00% | 8.012% 1 |
* Fixed-Rate installment loan for improvements
Loan must be used for home improvements or repairs.
$2,500 minimum and $10,000 maximum loan amount.
| Term (up to) | Rate | Unsecured, Fixed Rate Installment Loans |
APR |
|---|---|---|---|
| 3 Years | 9.00% | $1,000 Minimum loan amount | 9.021% |
| 5 Years | 10.00% | $1,500 Minimum loan amount | 10.016% |
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