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Routing #: 275978721
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From signature loans, Kwik Cash or credit life insurance, Madison Credit Union has a wide variety of personal finance options for you and your family.

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Let your credit worthiness be your collateral with a signature loan. Terms up to 48 months give you options for a payment structure to fit your needs. Get the money you need to consolidate debt, pay for school or home improvement expenses, or finance that dream vacation.

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Kwik Cash

Kwik Cash is a revolving line of credit. With no annual fee and no per transaction fee, Kwik Cash is easier than a credit card. Credit lines up to $10,000 are available based on your credit score. The minimum disbursement is $50.00.

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P.A.L. Loan (Protection & Loans)

A PAL loan is a revolving line of credit attached to your MCU checking account. Once you’re approved, funds will automatically be deposited to your checking account to cover checks when funds aren’t available, up to your approved limit. There is no annual or per transaction fee. Funds may be transferred at will or automatically when checks are clearing your account.

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Savings Secured Loans

This loan is ideal for the member attempting to build a credit history. Loans are granted based upon funds already in your MCU savings account or certificate. Loan rates are 2.5% above the savings rate you are currently receiving. On time payback allows you to build a good credit



Signature Loan1

Rates as low as
6.99% APR*
up to 48 months

Kwik Cash1

Rates as low as
13.9% APR*
revolving line of credit

PAL Overdraft1

Rates as low as
15.9% APR*
revolving line of credit

* APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
1Finance charges begin to accrue from the date of positing. Existing lines of credit can be disbursed without delay.