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Apply for a Loan or Credit Card

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There are four convenient ways to apply:

1. Apply Online anytime, even on weekends and holidays (select the loan application below)

2. Print a Credit Application and return it to us via fax or in person.

3. Visit one of our offices to complete an application.

4. Call a member services representative at 1-800-367-8932.

 

 

Apply Online Now

You can conveniently and securely apply for loans online.
Please select from the loans below:

Auto/Vehicle Loan - Online Application

First Mortgage - Online Application

Home Equity Loan or Line of Credit - Online Application

Personal/Signature Loan - Online Application

Second Mortgage - Online Application  (Apply using the online Home Equity Loan Application)

Visa Credit Card - Online Application

 

 

 

 

 

HOME EQUITY LINES OF CREDIT

Approval for a MCFCU Home Equity Line of Credit is subject to meeting established credit criteria. Must be an existing Member or become a Member of the Credit Union to obtain a loan. Certain terms and conditions apply. Credit is Subject to approval. Consult a tax advisor regarding the deductibility of interest. MCFCU products, services, terms and prices are subject to change.

Annual Percentage Rate: Annual Percentage Rate (APR) shown was available as of April 02, 2016 to well qualified applicants for variable rate lines of credit up to $250,000 secured by single-family owner occupied residential property. Your APR may be higher and will be based on the current Wall Street Journal Prime Rate, your credit qualifications, the amount of the line, loan-to-value, and property type. APRs currently range from Wall Street Journal Prime Rate, to Wall Street Journal Prime Rate plus 1.00% for a Home Equity Line of Credit. Annual Fee: There is no annual fee. Account Opening Fees: There are no fees to open a Home Equity Line of Credit. Early Termination Fees: There is no early termination fee. Property Insurance: You are required to carry property insurance on the property that secures your account. Flood insurance may be required. Your payments on this account do not include taxes or insurance. Appraisal Fees: If applicable a $250 appraisal fee may apply.

Credit is subject to approval. Rates, terms and conditions are subject to change at any time based on market conditions or other business factors. APRs may differ based on credit scores. Call or stop in to obtain product information and current rates.

Payment example is based on $25,000 variable-rate balance at current variable APR of 3.25% (assumes one initial draw of $25,000). Minimum monthly payment of 1% or $100 whichever is greater are $250. Total number of payments – 180, with a maximum 10 year drawl period. Highest payment possible at maximum interest rate of 18% is $250. APR is variable.

SECOND MORTGAGES

Approval for a MCFCU Second Mortgage is subject to meeting established credit criteria. Must be an existing Member or become a Member of the Credit Union to obtain a loan. Certain terms and conditions apply. Credit is Subject to approval. Consult a tax advisor regarding the deductibility of interest. MCFCU products, services, terms and prices are subject to change.

Annual Percentage Rate:: Annual Percentage Rate (APR) shown was available as of April 02, 2016 to well qualified applicants for Second Mortgages up to $250,000 secured by single-family owner occupied residential property. Your APR may be higher and will be based on the then current variable rate index value, your credit qualifications, the amount of the line, loan-to-value, and property type. Annual Fee: There is no annual fee. Account Opening Fees: There are no fees to open an account. Early Termination Fees: There is no early termination fee. Property Insurance: You are required to carry property insurance on the property that secures your account. Flood insurance may be required. Your payments on this account do not include taxes or insurance. Appraisal Fees: If applicable a $250 appraisal fee may apply.

Credit is subject to approval. Rates, terms and conditions are subject to change at any time based on market conditions or other business factors. APRs may differ based on credit scores. Call or stop in to obtain product information and current rates.

Payment example is based on $25,000 fixed-rate balance (P&I payments) at current fixed APR of 5.01%. Total number of payments - 120. Minimum monthly payment - 120 payments are $265.85. Total of payments - $31,902.

AUTO LOANS

Approval for a MCFCU Auto Loan is subject to meeting established credit criteria. Must be an existing Member or become a Member of the Credit Union to obtain a loan. Certain terms and conditions apply. Credit is Subject to approval. MCFCU products, services, terms and prices are subject to change.

Annual Percentage Rate: APR shown was available for well qualified applicants as of April 02, 2016 for loans in amounts of $15,000 having a repayment term of 60 months and secured by a 2011 - 2016 model year vehicle with not more than 100,000 miles. Your APR may be higher and will be based on your credit qualifications, loan amount, repayment term, and model year. APRs for a 60 month loan of $15,000 for a model year 2011 - 2016 auto currently range from 2.74% to 18%. Loan Payment Example: The monthly payment for $15,000 borrowed at 2.74% APR for a term of 60 months would require 60 monthly payments of $268.11 based on 45 days to first payment.

Credit is subject to approval. Rates, terms and conditions are subject to change at any time based on market conditions or other business factors. APRs disclosed are for the featured loan amount and repayment term. APRs and payments may vary for other loan amounts and repayment terms. Call or stop in to obtain product information and current rates.

SIGNATURE LOANS

Approval for a MCFCU Signature Loan is subject to meeting established credit criteria. Must be an existing Member or become a Member of the Credit Union to obtain a loan. Certain terms and conditions apply. Credit is Subject to approval. MCFCU products, services, terms and prices are subject to change.

Annual Percentage Rate: APR shown was available for well qualified applicants as of April 02, 2016 for loans in amounts of $10,000 having a repayment term of 48 months. Your APR may be higher and will be based on your credit qualifications, loan amount and repayment term. APRs for a 48 month loan of $10,000 currently range from 12% to 18%. Loan Payment Example: The monthly payment for $10,000 borrowed at 12% APR for a term of 48 months would require 48 monthly payments of $264.67 based on 45 days to first payment.

Credit is subject to approval. Rates, terms and conditions are subject to change at any time based on market conditions or other business factors. APRs disclosed are for the featured loan amount and repayment term. APRs and payments may vary for other loan amounts and repayment terms. Call or stop in to obtain product information and current rates.