Products & Services

Personal Loans

Need money for a household, personal expense or debt consolidation? An MCU Personal Loan is the simple solution.

Use the "Check App Status" button to check on the status of your application, view messages or submit documents

An MCU Personal Loan helps you meet your important or unexpected needs.

Features & Benefits:

  • Low interest rates and affordable payments
  • Members who qualify may borrow up to $50,000 (minimum $1,000)
  • Use borrowed funds for any purpose
  • Consolidate your bills and lower your payments
  • Get extra cash for unexpected expenses
  • Set up convenient Automatic Transfer for payments
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If you have money on deposit in your Share Certificate, a Share Certificate Secured Loan allows you to borrow against those funds.

Features & Benefits:

  • Minimum loan amount of $500
  • Borrow against your funds on deposit in your Share Certificate Account
  • Term of loan must end before term of share certificate ends*
  • Members can build or rebuild their credit
  • Continue to earn a dividend on the deposited funds
  • Set up convenient Automatic Transfer for payments

* All amounts on deposit in the Share Certificate Account must remain on deposit until loan is paid in full. There are no early withdrawal penalties if withdrawals are made after loan is paid in full.

To Apply for an MCU Share Secured or Share Certificate Secured Loan, visit your nearest MCU Branch.

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Rates As Low As:
PERSONAL LOANS**APR
Personal Loan 7.95%
Share Secured Loan 2.99%
Shared Certificate Secured Loan APR is Share Certificate rate plus 3%
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Visit our Rates page for more information


** 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.

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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.