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

Loan Rate Schedule - Other

Home > Loans > Loan Rate Schedule - Other

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.

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