BACK TO REGULAR HOURS: Effective June 1, 2021 our branch hours will be Monday, Wednesday, Thursday and Friday 9am to 5pm; and Tuesday 9am to 2pm.

ANNUAL MEETING: The Annual Meeting for Macon-Bibb Employees Credit Union will be  held at the Elaine Lucas Senior Center on July 29, 2021 at 6pm. To ensure the safety of all attending members face masks are required.

NOTICES: Please read important information here regarding transaction fees, website usage, Board of Directors nominations and American Income Life. Please read Operational Changes in Response to COVID-19 here.

Rates

All Rates

Home > All Rates

Loan Products

New/Current Year (Under 15,000 Miles)
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.10% 2.10% 4.25% 7.15% 10.15% 12.90%
48 Months 2.20% 2.20% 4.30% 7.40% 10.40% 13.40%
60 Months 2.30% 2.30% 4.35% 7.60% 10.40% 13.90%
66 Months 2.40% 2.40% 4.35% 8.10% 11.15% n/a
72 Months 3.15% 3.15% 5.10% 8.35% 11.15% n/a
84 Months 4.40% 4.40% 6.90% 9.90% 13.40% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 1 & 2 Years
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 2.25% 2.25% 4.65% 7.50% 11.75% 14.25%
48 Months 2.35% 2.45% 4.80% 7.60% 12.00% 14.50%
60 Months 2.45% 2.65% 4.80% 7.85% 12.25% 14.75%
66 Months 2.65% 2.65% 5.15% 8.15% 12.50% 15.00%
72 Months 3.15% 3.40% 5.65% 8.85% 12.75% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 3 & 4 Years
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 3.20% 3.75% 5.10% 7.90% 12.50% 14.75%
48 Months 3.40% 4.15% 5.30% 8.10% 12.75% 15.00%
60 Months 3.80% 4.65% 5.85% 8.35% 13.00% 15.25%
66 Months 4.65% 5.15% 6.60% 9.40% 13.25% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Used: 5 Years & Older
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Months 5.00% 5.20% 6.45% 8.45% 13.50% 14.75%
48 Months 5.25% 5.45% 6.95% 8.70% 13.75% 15.00%
60 Months 5.50% 5.70% 7.45% 8.95% 14.00% 15.25%
All rates are displayed with the APR:  Annual Percentage Rate

Other Collateral Loan Rates

New 1 & 2 Model Year
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 5.75% 5.75% 7.25% 10.25% 13.00% 14.75%
48 Month 5.85% 5.85% 7.35% 10.35% 13.10% 15.75%
60 Month 6.05% 6.05% 7.55% 10.65% 13.25% 16.75%
66 Month 6.05% 6.05% 7.55% 10.75% 13.25% n/a
72 Month 6.85% 6.85% 8.65% 11.35% n/a n/a
80 Month 8.00% 8.00% 9.50% 12.75% n/a n/a
All rates are displayed with the APR:  Annual Percentage Rate.

3 and Older Model Year
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 6.50% 6.50% 8.00% 11.00% 13.75% 14.75%
48 Month 6.60% 6.60% 8.10% 11.10% 13.85% 15.75%
60 Month 6.80% 6.80% 8.30% 11.40% 14.00% 16.75%
66 Month 6.80% 6.80% 8.30% 11.50% 14.00% n/a
72 Month 7.60% 7.60% 9.40% 12.10% n/a n/a
80 Month 8.75% 8.75% 10.25% 13.50% n/a n/a
All rates are displayed with the APR:  Annual Percentage Rate

Signature/Unsecured Loan Rates
Effective Date: January 2016
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
36 Month 9.00% 10.00% 12.00% 15.00% 17.00% 18.00%
48 Month 10.00% 11.00% 13.50% 16.50% 17.50% n/a
All rates are displayed with the APR:  Annual Percentage Rate

Share Secured Loan Rates
Effective Date: June 1, 2020
TermA+ (720 and Up)A (685 - 719)B (655 - 684)C (620 - 654)D (585 - 619)E (584 or Less)
Dividend Rate + 3.00% (.25% rate reduction for payroll deduction or direct deposit still applies)
All rates are displayed with the APR:  Annual Percentage Rate. All loans subject to credit approval. Restrictions apply. Contact credit union for full details.

Competitive Rate Adjustments:  Secured Loans only - AVP and above authorization = down to 25bp below base rate.

Long Term Auto Loans
Long Term Auto Loans (Term of 66-months or Greater)
66-Month Term Minimum Loan amount must be equal to or greater that $12,000.00
For loan balances below $12,000 member must have 10% equity in Auto.
72-Month Term Minimum Loan amount must be equal to or greater that $15,000.00
For loan balances below $15,000 member must have 20% equity in Auto.
84-Month Term Minimum Loan amount must be equal to or greater that $30,000.00
For loan balances below $30,000 member must have 30% equity in Auto.

Credit Score Table
Credit Score GradeCredit Score Range
All loans subject to credit approval. Restrictions apply. Contact credit union for full details." and “Competitive Rate Adjustments: Secured Loans only - AVP and above authorization = down to 25bp below base rate.
A+ 720 and Up
A 685 - 719
B 655 - 684
C 620 - 654
D 585 - 619
E 584 or Less

Deposit Products

Dividend Rates
Effective Date: January 2016
Account TypeAPRAPYRequired Minimum Balance
IRA Account 0.75% 0.75% $100.00
Savings 0.15% 0.15% $100.00 - $2,499.00
Savings 0.65% 0.65% $2,500+
Wish Account 0.25% 0.30% $100.00
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Certificates of Deposit
Effective Date: January 2016
Account TypeAPRAPYRequired Minimum Balance
6 month 0.45% 0.30% $500.00
12 month 0.50% 0.50% $500.00
18 month 0.55% 0.55% $500.00
24 month 0.80% 0.80% $500.00
36 month 0.80% 0.80% $500.00
48 month 0.80% 0.80% $500.00
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Fee Schedule
ServiceFee
Account Activity Printout $1 per printout
Account Research $5 per hour; $20 minimum fee
Deposit Item Return $20 per return item
Dormant Account $5 per month
Fax (outgoing)… $2 per fax
Teller Check $2 per check
(charge waived on first check, any additional will be assessed the $2 per check fee)
Loan Application $20 per loan request
Teller Check Reversal $2 per reversal
Excessive Withdrawals $5 per withdrawal
(limit of 6 transactions withdrawals per quarter)
Share Wish Withdrawals $25 per withdrawal
(limit of 1 withdrawal per annual period)