About MCU

MCU Personal Loans

What is a personal loan?

Personal loans are a popular and easy borrowing option that does not require any collateral. Borrowers apply for a fixed amount of money, which is generally repaid within a fixed period of time.

What are the uses of personal loans?

Personal loans can be used to meet any of your important or unexpected needs:
  • Bill consolidation
  • Family expenses
  • Wedding expenses
  • New appliances, furniture or other household goods
  • Tuition or other education expenses
  • Vacation expenses

Why personal loans?

Personal loans offer you the opportunity to take out a set amount of money that you need and repay these funds over time with automatic payroll deduction or direct deposit, and without any collateral. It is an easy and effective way to get the money for the things you need now, with the convenience of low monthly payments to repay the loan.

Why choose a personal loan from MCU?

With MCU, members can repay their personal loan through payroll deduction from their paycheck, giving you peace of mind knowing your payments will be made on time, every time.

MCU Personal Loans are here to help you pay for the things you need!

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*APR = Annual Percentage Rate. With approved credit and requires automatic transfer as the method of repayment. The APR for personal loans will increase by .50% after consummation if automatic transfer from your MCU primary share (savings)/share draft (checking) account is cancelled or the transfer is unsuccessful for 3 consecutive payments. For example, if you choose a 60 month Personal loan, your payments will consist of 60 monthly payments of $20.26 on each $1,000 borrowed at 7.95% APR. The total cost estimate of a $10,000 loan at 7.95% APR repaid over 60 months is $2,153.12. The APR of 7.95% is available for loan amounts up to $15,000 – higher rates apply for loan amounts over $15,000. Rates may be higher based on your creditworthiness. Repayment terms range from 12 months to 72 months. APRs range from 7.95% to 15.45%. Late payment fee of $25.00. Certain restrictions apply. Rates and terms are subject to change without notice. Membership is required.

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.