Personal Loans & Lines of Credit
Funds for What Matters Most
Flexible Personal Lending for Life’s Big Moments
Borrow for what matters:
- Debt Consolidation – Pay off high-interest credit cards
- Vacation – Plan that dream getaway
- Medical Bills – Cover unexpected medical expenses
- Education – Fund tuition or other school costs
- Major Purchases – Buy furniture, appliances, or electronics
Choose the Loan Option That’s Right for You
Signature Loan
A straightforward personal loan with fixed payments and a set repayment term. Ideal for one-time needs like large purchases, travel, or consolidating bills.
Signature Line of Credit
A Signature Line of Credit is an unsecured extension of credit that allows you to borrow up to a set limit. It is an affordable way to help you cover emergency expenses or large purchases. Use it for what you need, when you need it!
Share or Certificate Secured Loan
With a Share or Certificate Secured Loan you can secure financing without having to take from your savings. A hold is placed on the funds in the savings account and as you pay down the loan those funds become available. Terms for Share Secured Loans available up to 60 months. Terms for Certificate Secured Loans can extend up to the Certificate’s maturity date.
Current Rates
| Signature Loans & Lines of Credit | APR* as low as |
|---|---|
| Signature Loan | 9.99% |
| Line of Credit | 12.99% |
| Share Secured Loan | 4.25% |
| Share Certificate Secured Loan | 2% over Certificate Rate or Share Secured Rate, whichever is highest |
| *APR = Annual Percentage Rate. The APR is current as of 02/10/2025. Signature Loan rates are fixed. Signature Line of Credit rates are variable and may change. Signature Loans and Line of Credits are available up to $25,000. Share Secured and Share Certificate Secured Loans available up to Secured Share Balance. A sample Signature Loan monthly payment based on $5,000 at 9.99% APR for 60 months is $106.26. The rate & term you qualify to receive may vary depending on individual credit history and underwriting factors. Not all applicants will qualify. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | |
Why Choose MC Federal for Your Personal Lending Needs?
- Simple Application Process
Apply online or in person with a local team that knows you!
- Make Your Goals Happen—Your Way
Whether you’re managing unexpected expenses or planning something exciting, MC Federal offers lending options designed to move you forward with confidence.
- Need to Skip a Loan Payment?
If you could use a little extra breathing room this month, download the Skip-A-Pay Request Form and return it by mail or in person at your local branch.
Questions about Personal Loans?Â
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