Personal Loans for Every Need
Members Credit Union offers a variety of personal loans, big or small, to fit just about any need.  These loans require no collateral other than your signature and a good faith promise to repay.

Signature Loans
MCU offers personal signature loans up to a maximum amount of $10,000.  Whether you need to borrow a large sum for a major project or just a few hundred dollars, we can help! Payment amounts are 3% of the amount borrowed, with a minimum payment of $30 per month.

Debt Consolidation Loans
Our new debt consolidation loan allows you to finance non-MCU loan balances into an affordable, fixed rate Members Credit Union loan with one monthly payment. Simplify your life, and save hundreds or even thousands of dollars in the process! The maximum loan amount for this product is $15,000 with a maximum term of 72 months.

Vacation/Christmas Loans
If you need some help getting away from it all, then an MCU Vacation Loan may be just what you are looking for. With an MCU Vacation Loan you can borrow up to $10,000 at a fixed rate for an 11-month term, so your loan will be paid off in time for next year's vacation.

Personal Computer Loans
Our computer loans have a low fixed rate and a term of up to 24 months.  We will loan up to 100% of the cost of the computer. Along with your application, we will need a copy of the sales receipt or purchase order not over 30 days old.

Unsecured Lines of Credit
Members may choose to apply for an unsecured line of credit of up to $10,000 to use whenever they need a loan.  Advances may be made at any branch office or a check may be mailed to the home address upon request. A Visa Credit Card may also be requested with this line of credit, giving the member access to their line of credit at merchants and ATMs that accept Visa worldwide.

Credit Protection Insurance
Members Credit Union provides, at no cost to the member, credit life insurance on all unsecured loans.  For a small cost, members may purchase credit disability insurance.

** Important Notes **

The maximum cumulative total of unsecured loans that one member may have is $10,000. This maximum does not include an additional $15,000 that can be extended for the Debt Consolidation product.

Members can choose to repay their loan through payroll deduction, automatic transfer from their MCU savings or checking account, or directly through the mail or their local branch office. Members who choose to make their payments by payroll deduction or automatic transfer from a credit union account will receive a 0.25% discount on their loan rate.
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