Newsletter "Dr. Cash"
     • Spring/Summer 2009      • Fall 2008/Winter 2009


                                          


Shared Secured
This loan is designed to borrow against your share account balance to provide you with a lower rate than an unsecured loan.
Term APR*
36 Months 6.00%
Signature Loans
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
Term APR*
36 Months 9.90% to 18.00%
New Autos
Financing your new auto with your credit union is the way to go. Take the rebate offered by dealership and finance with us, you are guaranteed to save. 100% of Retail Value. 2006 - 2007
Term APR*
Up to 72 Months As Low As 5.00%
Used Autos
We will finance Loan Value or average retail / trade-in/loan value.
Term APR*
60 Months 5.50%
54 Months 6.50%
48 Months 7.00%
36 Months 7.50%
Classic Cars 12.00%
Model years financed as used:
Year Model Max. Financing
2007, 2008, 2009 60 Months
2006 54 Months
2005 48 Months
2004 36 Months
Classic Cars 36 Months
Helping Hand Loans
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
Term APR*
6 Pay Periods 18.00%
*APR is Annual Percentage Rate. ** The Fair Isaac score on the member's credit report determines the rate on the signature loan.  Rates may change weekly.  Request permission to change all rates to meet market demands.  Mortgage rates to be determined every Tuesday or daily, if necessary. *** Loan subject to credit approval. 

You must have Internet Explorer 4.0 or Netscape 4.0 or higher for this calculator to work properly.  Fill in any three parameters and the fourth value will be computed.  The payment amount calculated is an approximation and may vary from the actual payment amount disclosed.

Loan Amount


Yearly Interest Rate


Loan Period (in months)


Payment


 

MORTGAGE CALCULATOR 
    
  
This calculator calculates monthly mortgage payments based on principal, interest and term.  Replace the numbers in the boxes with appropriate numbers for your expected mortgage amounts.  The payment amount calculated is an approximation and may vary from the actual payment amount disclosed.
Amortization (Years) =
Yearly Interest Rate (%) =
Principal Amount ($) =
Down payment (%) =
Down payment Required ($) =
Mortgage Principal ($) =
Monthly Payment ($) =

 

If you are not currently a member of MSCU ,  you will need to join before we can process your loan request.

There are two ways to fill out the loan application form. You can choose to download the PDF and either fax or bring in the completed form. Our fax number is 1-423-431-2900. You will need Adobe Acrobat Reader in order to download or view the PDF application. If you do not have Acrobat Reader, please click the icon below for a free download of the software. Also, please be sure to sign your completed application. 

    Forms are in PDF Format.
Loan Application for First  Time Loan with MSCU -   Page 1
Loan Application for Annual update -     Page 1   
 
     
 
  EMAIL MEMBER SERVICES •   memberservices
  HOSPITAL OFFICE •   400 North State of Franklin Road                                      Johnson City, TN 37604                                                               423-431-6361                                                                                   Business Hours: Monday, Tuesday, Thursday, Friday: 7:30 - 4:00 PM Wednesday  7:30-12:00
  NORTHPOINT BRANCH OFFICE •   1021 West Oakland Avenue                                               Johnson City, TN 37604                                                               423-952-3120                                                                                     Business Hours: Monday, Tuesday, Thursday, Friday: 7:30 - 4:00 PM Wednesday  7:30-12:00