Midland Co-Op Credit Union

AUTOS
NEW VEHICLES

100% financing, including tax and licensing fees. Does not include extended warranties.
Up to 60 months (Larger pickups and SUVs may be eligible for up to 12 months in excess of policy)

USED VEHICLES

90% of NADA Book Average Retail Value.
Terms Vary.
- 1 to 4 years old 48 months
- 5 to 6 years old 42 months
- 7 to 8 years old 36 months
- 9 years and older 24 months

Looking for something special? Try
ENTERPRISE CAR SALES.

DEBT CONSOLIDATION
Ready to get rid of that debt fast?
Consider us for a Debt Consolidation Loan and get it paid off in 1 year.

HOME EQUITY-FIXED RATE
-Up to 80% of your Home's Equity*
-Terms up to 15 years
-Minimum monthly payments of $150.00
-Full amount paid out at closing (no advances)
-Reimbursement of Closing costs for loans over $20,000.00 and in place for 1 year.
-No points or annual fees
-No Prepayment penalty

RATES:
5-year term: Prime*
10-year term: 0.25% above Prime*
15-year term: 0.50% above Prime*

Call our office for further information and application process.

*Minnesota Homeowners only
**Prime Rate published in the Money Rates Column of the WALL STREET JOURNAL

HOME IMPROVEMENT
Want to add a deck?
Does the furnace need to be replaced?
Whatever your Home Improvement needs or wants Midland Co-op Credit Union can help.

See us about a Home Improvement loan with terms up to 60 months.

MOTOR HOMES, 5th WHEEL, TRAVEL TRAILER
Whether you want to travel the country or stay in a nearby campground see us about a RV, Travel Trailer or 5th Wheel camper loan.

NEW financed up to 10 years, 100% of Purchase Price including tax and title. (does not incude extended warranties)

USED financed up to 5 years, 90% of NADA retail value.

RECREATIONAL EQUIPMENT
Whether it be an ATV, Boat, Motorcycle, Personal Watercraft or Snowmobile you want to enjoy the great outdoors with Midland Co-op Credit Union can help.

Financing
NEW -100% of Purchase Price including tax and title. (does not incude extended warranties)
USED - 90% of NADA retail value

SHARE (SAVINGS) LOAN
A loan for any reason!
You can borrow against the money in your share savings account while still earning dividends on the full balance of the account. Share loans are quick, easy and our lowest rate loan. Terms up to 84 months

SIGNATURE
A loan guaranteed by your signature for whatever you need. Consolidate debts, go on vaction, etc. When you need a short term loan contact us.

STUDENT LOAN
You've completed your Free Application for Federal Studend Aid(FAFSA), received a Student Aid Report(SAR) and Award letter from the school you will be attending. All you need is financing!
If the award letter shows you are eligible for a student loan or your parents would like to take out a PLUS loan for you, please contact Midland Co-op Credit Union. We make applying for your loan as simple and easy as possible. Be sure to use our lender code, 833534 anywhere is is requested. This will indicate that we are the lender for your loan.

For more information see the Department of Education at http://www.ed.gov and Great Lakes Higher Education Corporation at http://www.mygreatlakes.com

HOME EQUITY-VARIABLE RATE
-Up to 80% of your Home's Equity
-Terms up to 15 years
-Minimum monthly payments of $150.00
-Re-useable Line of Credit with a loan draw period of 5 years with minimum draws of $5,000.00.
-Reimbursement of Closing Costs for loans over $20,000.00 and in place for 1 year.
-No points or annual fees
-No Prepayment penalty

RATES:
Prime* Rate plus 0% up to 15 years
Variable adjusted Quarterly,(March 1st, June 1st, September 1st and December 1st)

*Prime Rate published in the Money Rates column of the WALL STREET JOURNAL.