Loan Types:

Used and New Auto Loans: For both new and used vehicles, the credit union will finance:

• up to 115% of the lesser of MSRP or current NADA clean retail value plus tax, tags, title fees, debt protection, GAP and extended warranty for loan applications with a Quality Code of A+ through B.
• up to 100% of the lesser of MSRP or NADA value plus taxes, tags and title fees for loan applications with Quality Code C and below.
• Not financed: extended warranty. Debt Protection and GAP not financed unless purchased through Medisys EFCU.
• Loan terms available: Maximum 60 months for loans up to $30,000 or 72 months for loans greater than $30,000.

Personal Loans (Unsecured):

• We will finance up to $25,000 for Qualified Borrowers for Unsecured Personal loans.
• Rates can also vary between 6.99% APR^* and 17.99% APR^*
• Repayment terms up to 5 years.
• A Credit Report is pulled for each personal loan requested.
• Members can borrow more than one personal loan but cannot exceed the maximum of $25,000.

Credit Cards:

MEFCU is offering credit cards through a third party vendor*.
To view the credit cards offers and on how to apply, click or paste the following link:
https://apply.creditcardservices.com/credit-card?fi=medysisefcu
* MEFCU does not manage the credit card portfolio. Terms and Rates vary.

Quickloans (Unsecured):

• Maximum of $2,000 payable back up to 8 months with a fixed rate of 18% APR^*
• Members cannot have more than one Quickloan at a time.
• Members cannot apply for more than 2 Quickloans in any rolling 6-month time period.
• A credit report is not pulled for Quickloans.

Share Types (Savings Types):

Shares (Savings):

• Minimum balance of $25 required.
• Share accounts are required to maintain membership.

Holiday Club:

• No minimum balance required.
• Accepts deposits for a 1 year term.
• Matures every October and funds are transferred to Share account.
• Fee for Unscheduled Withdrawals (not at maturity date): $15 per withdrawal.

Vacation Club:

• No minimum balance required.
• Accepts deposits for 1 year term.
• Matures every April and funds are transferred to Share account.
• Fee for Unscheduled Withdrawals: $15 per withdrawal.

Share Draft (Checking):

• Minimum balance of $100 required.
• Debit Card available for use with Share Draft account funds only.
• See Share Draft account opening documents for more details.

Certificates of Deposits (CDs):

• Minimum balance of $500 required.
• See “Rates” page for currently available rates and terms.
• Please contact us for information about early withdrawal penalties.

Youth Accounts:

• Free savings for members age 16 and under
• Dividends rates of 1% APY (Annual Percentage Yield) on the first $1K and regular dividends above that CU deposits $5 toward the $25 required deposit when opening the account.
• No minimum balance requirements
• Free digital banking services including Online Banking, Mobile Banking and Free E-statements
• Parent or guardian must have Joint Ownership of the account.

Share secured Loans:

• Loans secured with Savings amounts or Certificate of Deposits amounts.
• Fixed Rate of 4.00% APR (Annual Percentage Rate)
• No credit check.