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June 16, 2024
Motion Federal Credit Union

Rates

Loan Rates

Auto Loan Rates
ProductYearsRates as low asTerms2
New Auto Up to 2 5.15% 100% Purchase Price
New Auto Up to 3 5.45% 100% Purchase Price
New Auto Up to 4 5.65% 100% Purchase Price
New Auto Up to 5 5.85% 100% Purchase Price
New Auto Up to 6 6.15% 100% Purchase Price
New Auto Up to 7 6.90% 100% Purchase Price
Used Auto Up to 2 5.35% 100% Purchase Price
Used Auto Up to 3 5.55% 100% Purchase Price
Used Auto Up to 4 5.75% 100% Purchase Price
Used Auto Up to 5 5.95% 100% Purchase Price
Used Auto Up to 6 6.45% 100% Purchase Price

1Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.
Rates subject to change at any time. Other restrictions & details may apply.

Auto Price CANNOT exceed NADA Value. Auto Loans NOW INCLUDE tax, registration, or other fees.

Used Cars maximum term is 6 years. Other restrictions may apply.

Rates include 0.25% reduction for automatic payments made from your Motion account.

These rates are advertised as low as.

Credit Card Rates
ProductRates as low as Limit
POWER VISA® -Low Rate 10.45% Max $25,000
POWER VISA® with Rewards 14.25% Max $25,000
POWER VISA® -Student Call about our special rate  
POWER VISA® -Secured 11.25% Max $25,000
Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.Rates subject to change at any time. Other restrictions & details may apply.

Credit Cruncher (Debt Consolidation)
ProductYearsRate (APR1)Term
Credit Cruncher (Debt Consolidation) Up to 4 8.60% Max $20,000

Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.
Rates subject to change at any time. Other restrictions & details may apply.

Recreational Vehicle Loans Rates
ProductYearsRates as low asTerms2
Boat / RV / Airplane Up to 20 As low as 9.75% Flexible terms

Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.
Rates subject to change at any time. Other restrictions & details may apply.

2 Auto Price CANNOT exceed NADA Value. Auto Loans NOW INCLUDE tax, registration, or other fees.

Used Cars maximum term is 6 years. Other restrictions may apply.

Rates include 0.25% reduction for automatic payments made from your Motion account.

These rates are advertised as low as.

Personal Loan Rates
Effective Date: Sunday, June 16th, 2024
ProductYearsRates as low asTerm
Personal Loan Up to 2 10.25% Max $20,000
  Up to 3 11.30% Max $20,000
  Up to 4 12.00% Max $20,000
  Up to 5 12.70% Max $20,000

Rates are determined by your personal credit history and payment method, so your rate may differ. APR = Annual Percentage Rate.Rates subject to change at any time. Other restrictions & details may apply.

2 Rates include 0.25% reduction for automatic payments made from your Motion account.

These rates are advertised as low as.

Other Loan Rates
ProductYearsRate APR1Terms
CREDIT CRUNCHER (Debt Consolidation) Up to 4 8.600% Max $20,000

Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.
Rates subject to change at any time. Other restrictions & details may apply.

These rates are advertised as low as.

Share/Stock Secured Rates
ProductYearsRates as low asTerm
Share Secured Up to 2 5.50% 100% Savings
  Up to 3 6.00% 100% Savings
  Up to 4 6.50% 100% Savings
  Up to 5 7.25% 100% Savings
  Up to 6 N/A 100% Savings
  Up to 7 N/A 100% Savings
Stock Secured   8.75% 100% Savings

1 Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.
Rates subject to change at any time. Other restrictions & details may apply.

Rates include 0.25% reduction for automatic payments made from your Motion account.

Rates subject to change at any time.

Education Loan Rates
Maximum AmountRate (APR1)TypeRepayment TermNotes
$20,000 Prime + 1/2% 1 Year Variable 5 Years Payable to school only
1 Rates are determined by your personal credit history and payment method, so your rate may differ.
APR = Annual Percentage Rate.
Rates subject to change at any time. Other restrictions & details may apply

Savings Accounts Rates

Share Savings
ProductDividend RateAPY1
REGULAR SHARE (Savings) 0.010% 0.0100%

Checking
ProductDividend RateAPY1
SHARE DRAFT (Checking) 0.005% 0.0050%

Club Motion
ProductDividend RateAPY1
CLUB MOTION (Holiday, Vacation, ME) 1.550% 1.5610%

IRA
ProductDividend RateAPY1
IRA 1.950% 1.9680%

Money Market
ProductDividend RateAPY1
MONEY MARKET (Tier II; $2,501 – $50,000) 2.350% 2.3750%
MONEY MARKET (Tier III; $50,000+) 2.750% 2.7850%

Share Certificates
ProductDividend RateAPY1
3-5 MONTH SHARE CERTIFICATE 2.650% 2.6820%
6-11 MONTH SHARE CERTIFICATE 2.950% 2.9900%
12-17 MONTH SHARE CERTIFICATE 3.350% 3.4020%
18-23 MONTH SHARE CERTIFICATE 3.200% 3.2470%
24-35 MONTH SHARE CERTIFICATE 2.950% 2.9900%
36-47 MONTH SHARE CERTIFICATE 2.750% 2.7850%
48-59 MONTH SHARE CERTIFICATE 2.650% 2.6820%
60 MONTH SHARE CERTIFICATE 2.550% 2.5800%

IRA Share Certificates
ProductDividend RateAPY1
6-11 MONTH SHARE CERTIFICATE 3.250% 3.2990%
12-17 MONTH SHARE CERTIFICATE 3.750% 3.8150%
18-23 MONTH SHARE CERTIFICATE 3.850% 3.9190%
24-35 MONTH SHARE CERTIFICATE 3.950% 4.0220%
36-47 MONTH SHARE CERTIFICATE 3.600% 3.6600%
48-59 MONTH SHARE CERTIFICATE 2.950% 2.9900%
60 MONTH SHARE CERTIFICATE 2.850% 2.8870%

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