Loans
M-C has a variety of loan options and lines of credit to fit your needs. Everything from your first car to your first mortgage. Explore all the options and give us a call or apply online!
- Home Loans
Home Loans
M-C offers mortgage loans to purchase, build or refinance. Explore the options of a home loan with low closing costs today.
First Mortgage Loans - Principal Residence APR* Terms - Fixed Max. 80% Loan to Value 10 Year Temporarily Unavailable - Ask a Loan Officer for more information 15 Year 20 Year 30 Year 5/1 ARM - 30 Year Maximum 4.50% Home Equity Loan - Principal Residence APR* Terms - Fixed Max. 80% Loan to Value 0-36 months 5.50% 37-60 months 6.00% 61-84 months 6.50% 85-120 months 6.75% 121-180 months 7.00% 181-240 months 7.50% Additional advances available for Home Equity Loans and LOC 81-85% LTV add .25% 86-90% LTV add .50% Questions about a home loan? Contact Us
As a credit union member, home insurance could be more affordable! Find out how
*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
- Auto Loans
- Online
- Loan by phone 1-866-265-4255
- At our participating Credit Union Indirect Dealerships
- At any of our branch locations
Auto Loans
Buying the right vehicle is important and so is choosing the right auto loan to go along with it. M-C offers auto loans on new and used vehicles with competitive rates. Make your purchase at one of our direct dealers and drive away with your vehicle that day! Ask about the benefits of refinancing you existing vehicle loan from another financial institution.
View current Auto Loan Special
A few easy ways to apply
The simple way to shop for your next vehicle | AutoSMART
Vehicle Information | NADAQuestions about an auto loan? Contact Us
Vehicle Loan Rates^ Term APR* On the Spot Financing is Available Rates as low as New Vehicles & Demos 2.79% Used Vehicles 3.89% Recreational Vehicles/Motorcycles New 5.50% Used 5.75% Boats 0-60 months 11.50% As a credit union member, auto insurance could be more affordable! Find out how
Insurance coverage on your vehicle is very important. Once a loan has been approved, providing M-C FCU with proof of insurance is simple.
*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
- Home Equity Line of Credit
Home Equity Line of Credit
Use the equity in your home for home improvements, consolidation of debt, or vacation.
The uses are endless.The interest may even be tax deductible; contact your tax advisor.
Home Equity Line of Credit (HELOC) APR* Terms 3/1 ARM (WSJ Prime +1.25%) 4.50% 5/1 ARM (WSJ Prime +1.50%) 4.75% Questions about a Home Equity Line of Credit? Contact Us
*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
- Personal Signature Loans
Personal Signature Loans
See how easy it can be you get the items you need. You can purchase appliances, furniture, pay taxes, or consolidate small debts. There is no collateral required for this loan. Automatic payment rate discounts are available on the signature loans, (not available on line of credit) Rates, loan limits and terms are based on your credit score.
Personal & Secured Loans^ Term APR* Rates as low as Signature Loan 9.50% Line of Credit 11.00% Computer Loan 0-60 months 7.00% Share Secured 4.25% Share Certificate (CD) Secured 2% over Certificate Rate or share secured rate whichever is higher Questions about a signature loan? Contact Us
*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
- Student Loans
Student Loans
“On March 30, 2010 President Obama signed the Student Aid and Fiscal Responsibility Act (SAFRA), which mandates all schools process loans through the Federal Direct Loan Program (FDLP).” For questions regarding student loans, please contact your school’s Financial Aid Office.
- Better Choice Loans
- 90-Day Repayment Term
- Flexible Monthly, Bi-weekly or Weekly Payments
- $25 Application Fee
- $100 Minimum Loan
- $500 Maximum Loan
- A Built-In Savings Benefit
Better Choice Loans
The Better Choice Loan is a smart alternative to a payday loan. There is no credit report required. Contact a loan officer for additonal details to apply.
Features
Personal & Secured Loans^ Term APR* Rates as low as Better Choice Loan± 18.00% Questions about a Better Choice loan? Contact Us
*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
- Business Loans
Business Loans
We understand the needs of the small business owner and are committed to making the financing process as simple for you as possible. Contact a loan officer for application details.
M-C offers an online tool you may use to help you grow in your business.
Questions about a Business loan? Contact Us
*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
- Auto Loan Special
- Apply Online
- Apply through one of our indirect dealerships
- Apply by phone through our loan by phone system 866-365-0082
- Apply at any branch location
Auto Loan Special
Hooray for falling rates! This fall season we have lowered auto loan rates.
Auto loan rates start as low as 2.79% APR*This Auto Loan Special is a limited time offer. Let us help you get into your new car this season with our best rate yet!
4 easy ways to apply
Questions? Call 800-834-0082 or contact us by email
*Terms and restrictions apply. Membership eligibility required. This offer is valid on new and used auto loans, as well as refinanced auto loans from another financial institution. Current existing M-C FCU loans are not eligible. Rate is as low as 2.79%APR —Rates are determined by individual credit and your rate may vary from example. An optional automatic payment deduction from your M-C FCU deposit account is available. Other conditions or restrictions may apply. Additional rates and terms are available. Rate and terms may be subject to change without notice.
