Loan Rates

Auto Loan Rates
Loan Term	New Auto APR as low as	Used Auto APR as low as
36 Months	4.74%^*	4.74%^*
48 Months	4.99%^*	4.99%^*
60 Months	5.49%^*	5.49%^*
72 Months	5.74%^*	5.74%^*
84 Months	6.99%^*	6.99%^*

Rates effective as of 11/21/2024.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Auto (Title) Loans.

Rate Disclosures

RV & Boat Rates
Loan Term	New & Used APR as low as
60 Months	7.75%^*
72 Months	8.15%^*
84 Months	8.74%^*
96 Months	9.74%^*
120 Months	10.74%^*

Rates effective as of 11/21/2024.

*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Motorcycle Loan Rates
Loan Term	New - APR as low as	Used - APR as low as
36 Months	5.74%^*	5.74%^*
48 Months	5.99%^*	5.99%^*
60 Months	6.49%^*	6.49%^*
72 Months	6.74%^*	6.74%^*
84 Months	7.99%^*	7.99%^*

Rates effective as of 11/21/2024.

Rate Disclosures

Holiday Loan Rate
Loan Term	APR as low as	Minimum Loan Amount
12 Months	7.99%*	$200

Rates effective as of 11/21/2024.

*Holiday Loan available until 2/28/25. Rate shown includes a .25% discount for automatic payment and an additional .50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Personal Loan Rates
Loan Term	APR as low as	Minimum Loan Amount
12 Months	11.74%*	$200
24 Months	12.24%*	-
36 Months	12.74%*	-
48 Months	13.24%*	-
60 Months	13.74%*	$5,000

Rates effective as of 11/21/2024.

*Rates shown include a .25% discount for automatic payment and an additional .50% for having a qualifying Reward Rate Relationship. Your actual rate may vary depending on credit and discounts taken.

Rate Disclosures

Credit Card Rates
	Visa Platinum	Visa Platinum Rewards	Visa Platinum Secured
6 Month Introductory APR for Purchases & Cash Advances	0.00%	0.00%	N/A
Annual Percentage Rate* (APR) for Purchases	13.75% - 18.00%	14.75% - 18.00%	17.24% - 18.00%
Cash Advance APR	13.75% - 18.00%	14.75% - 18.00%	17.24% - 18.00%
Variable Rate Information	Your actual APR may vary and is based on prime and your credit history. A margin between 6.00% - 16.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table.
Grace Period for Purchases	25 Days
Method of Computing the Balance for Purchases	Average Daily Balance (Including new purchases)
Annual Fee	None
Balance Transfer Rate	Same as purchase rate
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
Transaction Fees	a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars
Penalty Fees	a. Late Payment Fee - Up to $25.00 b. Returned Payment Fee - Up to $25.00

Rates effective as of 11/21/2024.

Rate Disclosures

Fixed Rate Home Equity Rates
Term	APR as low as	Loan to Value	Comments
5 Years	6.49%	Up to 80%	No closing costs! (provided initial loan amount is $20,000 and loan remains open for 36 months)
7 Years	6.99%
10 Years	7.49%		Minimum Loan Amount: $5,000. Maximum Loan Amount $200,000. Maximum Loan to Value (LTV) for owner-occupied and non-owner-occupied properties is 80% of tax assessed or appraised value. Rate based on credit evaluation.
15 Years	7.99%

Rates effective as of 11/21/2024.

Rate Disclosures

Home Equity Line of Credit Rates
Variable APR as low as	Comments
7.25%	No closing costs! (provided initial advance is at least $20,000 and loan remains open 36 months.) Minimum HELOC amount: $10,000, Maximum HELOC amount: $200,000

Rates effective as of 11/21/2024.

Rate Disclosures

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.