UT-MUO Federal Credit Union

Loan & Savings Rates

Loan Rate

Automobiles & Motorcycles - Apply Now
Age	Rate (as low as)	Term
2009-2007	5.50% APR	Up to 72 Months
	6.00% APR	Up to 84 Months
2006-2001*	6.50% APR	Up to 60 Months

(*previously titled motor vehicles)

First Mortgages, Second Mortgages,
& Home Equity Lines of Credit Also Available

Annual percentage Rates are based on the member's individual credit worthiness. Risk based pricing applies. Rates will never exceed the usury limit set by the NCUA, which currently is 18% APR. Loans exempt from Risk Based Pricing are: Tuition Loans, Home Equity Loans and Visa Credit Cards.

Click here to read the required important terms of the home equity line of Credit/Home Equity Visa Classic card.

Boats
Loan Amount	Rate	Term
Up to $15,000	8.75%	Up to 72 Months
$15,000-$25,000	9.25%	Up to 120 Months
Over $25,000	OPEN	OPEN

Tent Camper's, Snowmobiles, ATV's,
& Personal Watercract

10.50% APR

Other Loans - Apply Now
Signature	13.50% APR	Share Covered	4.50% APR
Computer	11.00% APR	Tuition	9.00% APR
VISA (no annual fee)	12.00% APR

Simple interest with no prepayment penalty.
No Down Payment Required

Savings Rate

Savings
0.50% APR	0.50% APY
paid 12/31/08

Rates and Terms may vary after this date:
January 1, 2009

Members will forfeit dividends if they should close an account before accrued dividends are credited.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Money Market Account Rates
$2,500 - $10,000	0.75% APR	0.75% APY
$10,001 - $25,000	0.99% APR	1.00% APY
$25,001 - $50,000	1.24% APR	1.25% APY
$50,001 +	1.49% APR	1.50% APY

Money Market accounts are paid at the end of each month.
**Rates are subject to change, please call Credit Union for daily rates and inquiries.

Savings Certificates
12 month/$1000 min	2.72% APR	2.75% APY
24 month/$1000 min	2.97% APR	3.00% APY
36 month/$1000 min	3.21% APR	3.25% APY
Early withdrawal penalty = 90 days dividends

I.R.A. Accounts
2.23% APR	2.25% APY	paid 12/31/08
1.74% APR	1.75% APY	to pay 03/31/08
$100 minimum, $10.00 annual fee < $500 balance
$25.00 early withdrawal fee

I.R.A. Certificates
12 month/$2000 min	2.72% APR	2.75% APY
24 month/$2000 min	2.97% APR	3.00% APY
36 month/$2000 min	3.21% APR	3.25% APY
Early withdrawal penalty = 90 days dividends

UT-MUO Federal Credit Union provides links to other World Wide Web and resources. UT-MUO is not responsible directly or indirectly for any damages or loss caused from external sites. UT-MUO FCU neither endorses the information, content, presentation or accuracy of any external site. Thank you for visiting the UT-MUO Federal Credit Union Web Site.