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Current Rates

Savings Rates:

90 Day Certificate  0.20% APR
6 Month Certificate  0.25% APR
12 Month Certificate 0.40% APR
24 Month Certificate 0.70% APR
   
Shares (Savings) 0.15% APR
   
IRA’s 0.55% APR

All Certificate dividends are paid and compounded quarterly.  

Mortgage Loan Rates:

1st mortgage Call for Current Rate Fixed 20 years
2nd mortgage Call for Current Rate Fixed 7 years
Home Equity Call for Current Rate Variable 10 years
     

Members with checking accounts get .25% discount AND with payroll deduction or direct deposit get .25% discount off all rates excluding VISA Credit Card, Loan Specials, Share Secured or Certificate Secured Loans and Mortgage Loans. Loan discounts cannot exceed 1.00%

Auto Loan Rates
Effective January 1, 2013

Model Terms APR*
2017 & 2016 (New Only) 48 MONTHS As low as 2.00%
2017 & 2016 (New Only) 60 MONTHS As low as 2.00%
2017 & 2016 (New Only) 72 MONTHS As low as 2.50%
2015 thru 2017 48 MONTHS As low as 2.75%
2015 thru 2017 60 MONTHS As low as 2.75%
2015 thru 2017 72 MONTHS As low as 3.00%
2012 thru 2014 60 MONTHS As low as 3.25%
2009 thru 2011 48 MONTHS As low as 4.25%
2008 and Older 36 MONTHS As low as 5.75%

 

* Actual rate is determined by credit score. Lowest loan rates includes .25% discount for having a checking account and .25% for payroll deduction or direct deposit. Loan discounts cannot exceed 1.00%. Must meet credit requirements. Not available for the refinancing of existing Modern EFCU loans.

 

If you have a vehicle financed at another financial institution, refinancing it at your Credit Union might lower your monthly payment and save you money. Call our office today for more information.

Modern Employees
Federal Credit Union


1727 Moseley Street
Owensboro, KY 42303

Phone: 270-685-1025
or 800-685-1332
Fax: 270-685-1380

Hours: Mon. - Fri. 8:30am - 5:00pm