Certificate Early Withdrawal Penalty: Certificates redeemed early shall incur a penalty of 90 days dividend earnings for any certificate with 12 months or less term. Certificates with terms above 12 months will be penalized 180 days of dividend earnings. The amount of the penalty will be calculated on the amount withdrawn and will be deducted from the balance of the certificate. The penalty may be deducted from the principal amount of the deposit. If the balance in the certificate falls below the minimum required for that dividend category, the certificate must be closed and a penalty will be taken on the entire balance.

Withdrawals: Penalty-free withdrawals are not permitted from certificates with the exception of the following: withdrawals made due to the death of a member; withdrawals made during the 7 day grace period after the maturity of the certificate; once posted to the certificate, monthly dividends may be withdrawn with no penalty. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings.

Certificate Early Withdrawal Penalty: Certificates redeemed early shall incur a penalty of 90 days dividend earnings for any certificate with 12 months or less term. Certificates with terms above 12 months will be penalized 180 days of dividend earnings. The amount of the penalty will be calculated on the amount withdrawn and will be deducted from the balance of the certificate. The penalty may be deducted from the principal amount of the deposit. If the balance in the certificate falls below the minimum required for that dividend category, the certificate must be closed and a penalty will be taken on the entire balance.

Withdrawals: Penalty-free withdrawals are not permitted from certificates with the exception of the following: withdrawals made due to the death of a member; withdrawals made during the 7 day grace period after the maturity of the certificate; once posted to the certificate, monthly dividends may be withdrawn with no penalty. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings.

*$15 annual fee may reduce earnings

Actual loan rate and terms will be based upon applicant's creditworthiness, LTV, age of collateral and repayment period. Loans are subject to MountainCrest Credit Union credit approval and other underwriting criteria.

The Credit Union reserves the rights to change the posted rates to reflect market conditions and other factors. Rates subject to change without notice. 

*Home Equity Line of Credit (HELOC): Maximum APR is 18%. No closing cost except if appraisal is needed.

*Personal Line of Credit: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of 4.99-13.99%. An increase can take effect on the first day of December, March, June, and September. The Annual Percentage Rate will never be more than 18%. Any increase will lengthen the time it takes to pay off your loan.