Personal - Madison Credit Union

Personal Loans

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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TOP RATES (view all rates)

Signature Loan¹Rates as low as
5.99% APR*

Kwik Cash¹Rates as low as
13.90% APR*

P.A.L. Overdraft¹Rates as low as
15.90% APR*

Signature Loans

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 pre-approved revolving line of credit. There is 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. Overdraft Protection

PAL (Protection And Loan) Overdraft Protection is designed to help you avoid NSF (non-sufficient funds) charges. Once you’re approved, funds will automatically be deposited to your checking account to cover checks when funds aren’t available, up to your designated limit. You only pay interest on the amount overdraft for as long as it is overdraft.

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 Secure Loan

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 rating.

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* 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 posting. Existing lines of credit can be disbursed without delay.