We pride ourselves on offering a full line of lending services to our members. Whether you need a new car, a new home or a dream vacation, we are here to help. You can calculate your needs first and then apply online or download a loan application.
Madison Credit Union offers competitive rates on new and previously owned vehicles. With terms up to 84 months for new cars, our loan department has an option that will fit your needs. Members falling into our A+ level credit score tier may qualify for discounted loan rates*. No pre-payment penalties..
*See a Madison Credit Union loan officer for details.
Recreational Vehicle Loans
MCU offers loans on motorcycles, boats, ATVs, Motor Homes, snowmobiles, jet skis and RVs. No matter what your recreational interest, MCU is here to help finance it with rates and terms that work for you.
Let your credit worthiness be your collateral with a signature loan. Terms up to thirty-six 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.
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. Be approved for up to $5,000.00 with a minimum disbursement of $250.00.
P.A.L. Loan (Protection and 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.
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 history without the high rates of a credit card.
Madison Credit Union can refinance your first mortgage or finance your second mortgage with less hassle and lower closing costs than you'll find elsewhere. We'll never sell your loan, so you'll always know who holds your loan. Through our partners at Marketplace Home Mortgages, we also offer home purchase mortgages. Contact us today for more information.
Home Equity Loans
Use the equity in your home to receive lower loan rates. Consult a tax specialist as interest is often tax deductible. Loans can be used for education, home improvement, vehicles, or other purposes.
Other Loan Services
Guaranteed Automobile Protection Insurance (GAP)
Payment protection in the event of theft or accident where the vehicle is totaled and the amount owed on the vehicle is greater than the cash value of the vehicle.
Credit Disability Insurance
Coverage provides security because it can help make loan payments if you become ill or injured.
Credit Life Insurance
Coverage assures that your family will not be left with the burden of unpaid debt if you die. Coverage pays off insured loans in full.
Find out ahead of time the dollar amount for which you qualify.