Rates subject to change at any time.
Our, “whatever you need it for” Signature Loan
Consolidating debt, planning a vacation, holiday money, or just need a little boost? For whatever you need it for, our Signature Loan can deliver. With an MCU Signature Loan, your credit worthiness is your collateral. With borrow limits up to $10,000 and terms up to 48 months, you have options for a payment structure that works for you. All at some of the lowest rates in town!
Plus, at MCU you have control of your loan, you can pay monthly, bi-weekly, or even weekly and there is no penalty for early pay off. Paying bi-weekly or even weekly allows more of your payment to go to your principal, which means you pay less interest overall and you pay off your loan faster.
| Signature Loans | ||||||
|---|---|---|---|---|---|---|
| 24 Months | Monthly Payment per $1,000 Borrowed | 36 Months | Monthly Payment per $1,000 Borrowed | 48 Months | Monthly Payment per $1,000 Borrowed |
|
| Credit Score | ||||||
| A+ 750+ Up to $10,000 | 9.99% | $46.14 | 10.24% | $32.38 | 10.49% | $25.60 |
| A 749-700 Up to $10,000 | 10.24% | $46.26 | 10.49% | $32.50 | 10.74% | $25.72 |
| B 699-660 Up to $10,000 | 10.49% | $46.37 | 10.74% | $32.62 | 10.99% | $25.84 |
| C 659-630 Up to $7,500 | 10.74% | $46.94 | 10.99% | $32.73 | 11.24% | $25.96 |
| D 629-600 Up to $5,000 | 10.99% | $46.60 | 11.24% | $32.85 | 11.49% | $26.08 |
| E 599-0 Up to $2,500 | 11.24% | $46.72 | 11.49% | $32.97 | 11.74% | $26.21 |
Overdraft Protection Loans
A little extra breathing room when you need it.
Life happens. An unexpected expense or forgotten bill can leave your checking account a little short. Our overdraft protection loans give you another option when you need help covering the difference, so you can handle the unexpected with a little more peace of mind.
Key Benefits:
- Automatic Coverage: Avoid the hassle of declined transactions and costly fees with automatic overdraft protection.
- Low Rates: Enjoy competitive rates and transparent terms, so you know exactly what to expect.
- No Hidden Fees: Simple, straightforward protection with no surprises.
Choose the option that works best for you.
Cushion Loan
A little cushion when you need it.
Sometimes, you just need a little extra to get through the month. Our Cushion Loan provides up to $200 to help cover the gap when your checking account falls short. Benefits include:
-
- Up to $200: Get a little extra help when you need it.
- No Credit Check: Qualify without a credit check.
- Automatic Coverage: When linked to your checking account, funds can help cover a shortfall when your balance isn’t enough.
PAL Overdraft Protection
More flexibility when you need a little more.
For those times when you need more than a small cushion, our PAL Overdraft Protection Loan offers a higher borrowing limit to help cover unexpected expenses or checking account shortfalls.
How It Works:
-
- Apply Online for a PAL: When approved, we’ll automatically link your PAL to your checking account.
- Automatic Transfer: If your checking balance falls short, funds are automatically transferred to cover the difference.
- Enjoy Peace of Mind: Keep spending confidently, knowing your account is protected.
Example: If you overdraft your account by $500. You will pay only 22¢ in interest each day until you make a payment. That’s just $1.54 per week (7 days). You can pay the full amount with your next paycheck or set up automatic minimum payments.
Get Started Today: Protect your finances with PAL Overdraft Protection. Enroll now and experience the convenience and security that our members trust.
According to Wisconsin law, for line of credit loans, you must be presented with the complete Wisconsin Credit Union Loan Application Form and Addendum. If you prefer to complete and sign this fillable form you can do so here. Otherwise please click the button above to complete the mini application.
Kwik Cash3
Sometimes you need some extra cash. Kwik Cash provides a pre-approved revolving line of credit that is ready when you need it. Avoid overspending on high interest credit cards or using payday loans with a Kwik Cash loan.
No annual fee and no per transaction fee.- Credit lines up to $10,000 are available based on your credit score.
- Pay nothing until you draw money from the account.
- As you pay off the balance on lines of credit, the money becomes available for you to use again. Use what you need, then pay back with a small monthly payment, and use the funds again as needed
- A $50 minimum transfer amount.
According to Wisconsin law, for line of credit loans, you must be presented with the complete Wisconsin Credit Union Loan Application Form and Addendum. If you prefer to complete and sign this fillable form you can do so here. Otherwise please click the button above to complete the mini application.
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 3% above the savings rate you are currently receiving. On time payback allows you to build a good credit rating.
| Personal Loans | Terms | Limits | Rates as low as (Vary on credit score) | ||
|---|---|---|---|---|---|
| Savings Secured | Up to 60 months | 1 | 3.00% + Savings Rate | ||
| Certificate Secured | Up to length of CD | 1 | 3.00% + CD Rate | ||
| Lines of Credit (Kwik Cash)^ | Revolving | 2500 | 13.9% No Annual Fee | ||
| Overdraft Credit (PAL)^ | Revolving | 2500 | 15.9% No Annual Fee |
| Signature Loans | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Maximum $$ Available | up to $10,000 | up to $10,000 | up to $10,000 | up to $7,500 | up to $5,000 | up to $2,500 |
| 24 Months | 9.99% | 10.24% | 10.49% | 10.74% | 10.99% | 11.24% |
| 36 Months | 10.24% | 10.49% | 10.74% | 10.99% | 11.24% | 11.49% |
| 48 Months | 10.49% | 10.74% | 10.99% | 11.24% | 11.49% | 11.74% |
^ Account must be in good standing with MCU, including but not limited to, no 30-day delinquency or negative shares with MCU in the past 12 months. One (1) year of membership required. Must verify employment with current paystub at application. Maximum term limit is 12 months. $500 minimum loan and $2000 maximum loan required. Automated recurring payments required. Not valid for refinancing existing MCU loans. Offer good 11/01/2025 – 12/31/2025.
*Available to qualifying MCU members. MCU checking account must be open for a minimum of 90 days. Applicant must provide proof of income or demonstrate a direct deposit of at least $200 into an MCU checking account within the past 30 days. Creditworthiness requirements apply. Subject to approval.
1APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
2 APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Finance charges begin to accrue from the date of posting. Existing lines of credit can be disbursed without delay.
3 Minimum payments are calculated $4 per $100 borrowed with a minimum payment of $20.
