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APY = porcentaje de rendimiento anual. Tasas efectivas a partir del 27 de junio de 2016. Las cuotas pueden reducir las ganancias.

Su tasa final puede ser diferente de lo que se muestra. Las tasas están sujetas a cambios sin previo aviso. Para tasas actualizadas, simplemente llámenos al (305) 592-7733 o (800) 782-3630.

Kasasa Cash* Aprenda más

Saldo Tasa APY
$0 - $10,000 2.47% 2.50%
$10,000+ 0.25% 2.50% to 0.45%
Todos los saldos si no cumplen los requisitos 0.01% 0.01%

Requisitos

La ganancia de dividendos realmente altos y reembolsos del cajero automático no requiere más que la utilización de los servicios bancarios convenientes que vienen con su cuenta. Para ganar sus recompensas, sólo haga las transacciones siguientes y las actividades en su cuenta de cheques Kasasa Cash durante cada Ciclo de Calificación Mensual:

  • Tener al menos 1 transacción del pago ACH o transacción del crédito ACH registrado y saldado
  • Tener al menos 12 compras con tarjetas de débito registradas y saldadas
  • Estar inscrito y acepta recibir estados de cuenta electrónicos (eStatements)

Certificados (CDs) Aprenda más

Termino del certificado Tasa APY Minimo
6 Meses 0.45% 0.45% $1,000.00
9 Meses 0.50% 0.50% $1,000.00
9 Meses Jumbo 0.65% 0.65% $5,000.00
9 Meses Super Jumbo 0.75% 0.75% $25,000.00
12 Meses  0.50% 0.50% $1,000.00
18 Meses  0.60% 0.60% $1,000.00
24 Meses  0.75% 0.75% $1,000.00
36 Meses  1.10% 1.11% $1,000.00
60 Meses 2.00% 2.02% $1,000.00

Dividends are paid quarterly and calculated on average daily balance. Rates are effective as of July 2, 2018 and are subject to change at any time without notice.

Ahorros/Cuentas de club/IRA (Tradicional, Roth y Coverdell)

Tipo Tasa APY
Shares regulares3 0.25% 0.25%
Shares para jóvenes 0.25% 0.25%
Cuentas de club 0.25% 0.25%
IRAs2 1.00% 1.01%

Dividends are paid quarterly and calculated on average daily balance. If you close your account before dividends are paid, you will not receive the accrued dividends. Rates are effective as of  June 20, 2017 and are subject to change at any time without notice.

2 Minimum opening balance of $1.00.

3 Minimum $5.00 balance required.

Tasas de interés de préstamo

Tipo de préstamo Termino % sobre el índice APR(tan bajo como)
Línea de crédito de la firma1 24-60 Meses N/A 8.49%
Automóvil nuevo1 24-72 Meses N/A 1.99%
Automóvil usado1 24-72 Meses N/A 2.25%
Vehículo recreativo nuevo1 24-84 Meses N/A 9.00%
Vehículo recreativo usado1 24-60 Meses N/A 11.50%
Barco nuevo1 24-240 Meses N/A 3.99%
Barco usado1 24-180 Meses N/A 4.99%
Jet ski nuevo1 24-60 Meses N/A 3.99%
Jet ski usado1 24-60 Meses N/A 4.99%
Motocicleta nueva1 36-75 Meses N/A  4.49%
Motocicleta usada1 36-75 Meses N/A  4.74%
Share aseguardo N/A 0.40  4.50%
Certificado asegurado N/A  N/A  4.50%

1FOR FIXED RATE LOANS: The ANNUAL PERCENTAGE RATE you receive for the fixed rate loans may be as low as the rate listed above. Your actual rate is based on your credit rating. Auto rates above may not  include all available discounts. You will be provided the rate for which you qualify when your loan is approved. Rates are subject to change at any time without notice.

FOR VARIABLE RATE SHARE SECURED: The ANNUAL PERCENTAGE RATE(APR) for existing balances and new advances for share-secured advances will be determined by adding the amount shown above in the "% Above Index" column to the Index. The Index is the dividend rate being paid on regular shares. The rate is subject to change quarterly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount.

FOR VARIABLE RATE CERTIFICATE SECURED: The ANNUAL PERCENTAGE RATE(APR) for existing balances and new advances for certificate-secured advances will be determined by adding the amount shown above in the "% Above Index" column to the Index. The Index is the dividend rate being paid on the certificate securing the loan. The rate is subject to change quarterly to reflect any change in the index. Any increase in the APR will result in an increased payment due at certificate maturity.

CONSUMER LOAN LATE CHARGE: If you are 15 or more days late, you will be charged 5% of the monthly payment not to exceed $20.00.

COLLECTION COSTS: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs, reasonable attorney fees and the costs of any appeal by the credit union.

Tarjetas de crédito

MPS Credit Union Visa® Tasa de porcentaje anual (APR) para compras, adelantos en efectivo y transferencias de saldo
Visa Platinum Card 4.90% introductorio por 6 meses.
9.90% después
Visa Gold Card 12.90%
Visa Classic Card 15.50%
Visa Share Secured Card 17.80%

Pago de Interés: Su vencimiento es al menos 25 días después del final de cada ciclo de facturación. No le cargaremos ningún interés de compras si paga el saldo entero antes del vencimiento mensual. Comenzaremos a cobrar interés sobre adelantos en efectivo y transferencias de saldo en la fecha de la transacción.

Para obtener consejos de la tarjeta de crédito de la Oficina de Protección Financiera del Consumidor: Para aprender más sobre los factores a considerar solicitando o usando una tarjeta de crédito, visite el sitio web de la Oficina de Protección Financiera del Consumidor en http://www.consumerfinance.gov/learnmore.

Cuotas de la transacción: Cuotas de la transacción en el extranjero – El 2.00% de cada transacción en dólares estadounidenses

Cuotas de pena: Cuota del pago tardío – Hasta $30.00. Cuota del pago devuelto – Hasta $30.00.

Cómo calcularemos su saldo: usamos un método llamado “el saldo diario promedio (incluyendo compras nuevas)”.

Fecha de vigencia: La información sobre los costos de las tarjetas descrito en la solicitud es correcta desde el 15 de octubre de 2010. Esta información puede haber cambiado después de esa fecha. Para averiguar lo que puede haber cambiado, llámenos al 800.782.3630 o escríbanos en MPS Credit Union, PO Box 520622, General Mail Facility, Miami, FL 33152-0622

Sus derechos de facturación: Información acerca de su derecho a disputar transacciones y cómo ejercer esos derechos se proporciona en su contrato de cuenta.

Préstamos por patrimonio inmobiliario Aprenda más

Tipo de préstamo Termino % sobre el índice APR (tan bajo como)
Equidad de la vivienda fijada 10 años N/A 5.25%
Equidad de la vivienda variable1 15 años Prime N/A
Equidad de la vivienda fijada 7 años N/A 4.50%
Equidad de la vivienda fija-variable2 15 años N/A 6.75%

For loan amounts between $10,000.00 and $24,999.00 member pays closing cost.
For loan amounts between $25,000.00 and $200,000.00 credit union pays closing cost.
However, if the loan is satisfied within TWO years of acquisition, the member shall be charged a Pre-Payment Penalty totaling the amount of the closing cost.
For the Fixed-Variable Rate Program if the loan is satisfied within THREE years if acquisition the member shall be charged a Pre-Payment Penalty totaling the amount of the closing cost.

FIXED RATE & ADJUSTABLE RATE COMBINED LOAN-TO-VALUE

  • 80% of appraised value when added to existing 1st mortgage balance on Single Family Homes
  • 75% of appraised value when added to existing 1st mortgage balance on Fixed Variable rate.
  • 75% of appraised value when added to existing 1st mortgage balance on Townhouses.
  • 75% of appraised value when added to existing 1st mortgage balance on Condos & Duplexes.

HOME EQUITY FIXED: The maximum maturity shall not exceed ten years, and the minimum loan amount shall be $10,000.00 and the maximum loan amount shall not exceed $200,000.00 providing there is sufficient equity on the property. Rates are subject to change at any time without notice.

1HOME EQUITY VARIABLE: The ANNUAL PERCENTAGE RATE is based on the Prime rate as of the day of closing, as set forth in the WALL STREET JOURNAL. The rate may be adjusted either up or down quarterly. However, the floor is 4.00% and the yearly cap on the loan is 4.00% per year. The interest rate shall have a ceiling of not more than 18% over the life of the loan. The minimum loan amount shall be $10,000.00 and the maximum $200,000.00. The initial advance shall be in the amount of $5,000.00; with a minimum of $1,000 for each subsequent advance.

2HOME EQUITY FIXED-VARIABLE: The ANNUAL PERCENTAGE RATE shall be fixed for the first three years of the loan. After the three years the loan becomes variable and it is adjusted quarterly the same as "THE HOME EQUITY VARIABLE PROGRAM". The total loan term shall not exceed 15 years and the minimum loan amount shall be $25,000.00. The pre-payment penalty applies for loans satisfied within the first three years of acquisition. Maximum Combined Loan to Value shall be not more than 75%.