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Loans & Home Loans
Lending Options to Support Every Hero’s Financial Success
Our members come from various financial backgrounds. That’s why MCU offers a range of lending products to meet your every need, with competitive rates and terms to keep your finances on track.
Find the Loan That’s Right for You.
Whether you’re looking to consolidate bills, buy your first car, or cover an unexpected expense, our competitive loan rates and helpful staff are here to help you reach your financial goals.
Personal Loans
Don’t compromise on your financial plans. An MCU Personal Loan may help you achieve your goals by providing lower monthly payments. If you have no credit, poor credit or you are trying to build or improve your credit, our Credit Builder loan is a great, secured option.
Auto Loans & Services
Whether you’re new to the car buying process or come to the table with prior experience, we’ve got you covered every step of the way. The MCU Car Buying Service, coupled with our competitive financing options, makes the car buying process a smooth ride.
Fixed Home Equity Loans
Let the value of your home work for you. Borrow up to 80% of your home’s available equity in a single lump sum with fixed and stable payment plans made over your preferred loan period.
Home Equity Line of Credit (HELOC)
Unlock the equity in your home and choose to spend as much or as little as you need with a variable, revolving Home Equity Line of Credit (HELOC). Like a credit card, you’ll be approved for more borrowing as you make payments toward your outstanding balance.
Conventional Mortgages
In the market for a new place to call home? MCU makes it easy with competitive interest rates and helpful guidance from our lending experts. The only hard part may be deciding what color to paint the living room.
Jumbo Mortgages
Have your eye on a higher-priced home? Our Jumbo Loan options exceed the limit of a conventional loan and allow you to buy up to 1 million dollars in residential property.
High-Balance Mortgages
For members buying in a particularly high-cost area, MCU offers High-Balance Loan options that allow for an increased loan limit—opening doors to home purchases in higher-priced neighborhoods.
Multi-Family Homes, Co-Ops, and Condos
No matter what your ideal home type is, you deserve to rest comfortably after a long day. MCU offers the financial support you need to purchase non-traditional homes not covered by a conventional mortgage.
Investment Property Loans
Real estate can be a great investment for your family’s future. MCU is here to help you plan ahead and purchase a property that will grow in value and help you meet your goals.
Banking That’s Always by Your Side
Access the information you need, when you need it, with our easy-to-navigate digital banking platform. Discover helpful tools and settings that make banking smarter, not harder.
Let’s Connect You with the Banking Resources You Need.
Reach your financial goals and take your household to the next level with our personal banking options.
Checking Accounts
Managing your everyday banking has never been easier. Get paid instantly with direct deposit, manage your money on the go with our mobile app, enjoy easy ATM access in our branches or co-op locations, and get real-time transaction updates to keep you on track while you spend.
Savings Accounts
MCU’s savings products make sure each dollar is working harder for you. Whether you’re saving for something specific or just putting money away for a rainy day, MCU has you covered with great rates and a wide range of savings options.
IRAs
MCU members can prepare for their financial futures with fixed or variable rate options on both traditional IRAs (which are designed to allow pre-tax contributions) and Roth IRAs (which are designed to allow tax-free withdrawals upon retiring).
Credit Cards
From building credit to getting cash back on your everyday spending, our VISA® credit card options are designed to meet all of our members’ credit needs. Ready to start swiping? Apply today.
Insurance
Protect what matters most to you and your family with affordable rates on Whole & Term Life, Auto & Home, and Accidental Death & Dismemberment insurance, all offered through our trusted partners at PFP and TruStage®.
Member Resources
Our expert team members are here to help people build a foundation for an excellent financial future by providing guidance, wisdom, and educational resources that prepare them to accomplish their goals.
No Matter Where You Are in Life, We’re Right There with You.
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.
Make the Most of Your MCU Membership.
Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.
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All about Private Mortgage Insurance (PMI)
What to Consider Financially As A First-Time Homebuyer
Mortgages 101: Getting Started on The Path to Homeownership
Ready to Join the MCU Community?
Gain access to the products and services that help our members create a foundation for an excellent financial future—such as competitive rates, reliable banking products, and educational resources to stay in control of your finances.
