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Loan and Mortgage Rates

Last Updated: July 1, 2022

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Whether you want to refinance for a lower interest rate or to remodel, MCU will manage your loan in-house for the life of the loan.
See all rates for: First Mortgage, Second Mortgage and Home Equity Lines of Credit (HELOC)

Real Estate/Home Equity LoansTerms/LimitsRates as Low as
Home Equity**^Line of Credit4.74% 
First Mortgage Refinance ^^10 Year Fixed Rate4.49%
First Mortgage Refinance ^^15 Year Fixed Rate4.99%
First Mortgage Refinance ^^20 Year Fixed Rate5.49%
First Mortgage Refinance^^30 Year Fixed Rate5.74%
Second Mortgage ***10 Year Fixed Rate4.89% 
Second Mortgage ***15 Year Fixed Rate5.99% 

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Find room to soar with a personal loan from MCU
See all rates for: Personal Loans, Signature Loans, Kwik Cash and P.A.L.

Other Loan TypesTermsLimitsRates as low as
(Vary on credit score)
Savings SecuredUp to 60 months13.00% + Savings Rate
Certificate SecuredUp to length of CD13.00% + CD Rate
Signature Loan*Up to 48 Months100005.99%
Lines of Credit (Kwik Cash)^Revolving250013.9%
No Annual Fee
Overdraft Credit (PAL)^Revolving250015.9%
No Annual Fee
VISA CardRevolvingOpen0% Introductory Rate

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Be prepared to buy with a low interest pre-approved auto loan from MCU.
See all rates for: New and Used Vehicles

New Vehicles: 2021 & New*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months1.99%2.24%2.74%4.24%6.24%10.24%
37 to 48 Months2.49%2.74%3.24%4.74%6.74%10.74%
49 to 60 Months2.99%3.24%3.74%5.24%7.24%11.24%
61 to 72 Months3.49%3.74%4.24%5.74%7.74%11.74%
73 to 84 Months3.99%4.24%4.74%6.24%8.24%12.24%
Up to 100% of Purchase Price + Taxes & Fees

Used Vehicles: 2016-2020*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months2.99%3.24%3.74%5.24%7.24%11.24%
37 to 48 Months3.49%3.74%4.24%5.74%7.74%11.74%
49 to 60 Months3.49%3.74%4.24%5.74%7.74%11.74%
61 to 72 Months4.49%4.74%5.24%6.74%8.74%12.74%
73 to 84 Months4.74%4.99%5.49%6.99%8.99%12.99%
Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.

Used Vehicles: 2015 & Older*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months5.24%5.49%5.99%7.49%9.49%13.49%
37 to 48 Months5.74%5.99%6.49%7.99%9.99%13.99%
49 to 60 Months6.79%7.04%7.54%9.04%11.04%15.04%
Up to Kelly or NADA retail value, or cash price on contract, whichever is lower.

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Pump up your vacation with an RV, camper or boat loan from MCU.
See all rates for: New or Used RVs, 5th Wheels and Boats (16ft or more)

New RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2020-New*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 60 Months4.74%4.99%5.49%6.99%8.99%12.99%
61 to 72 Months4.74%4.99%5.49%6.99%8.99%12.99%
73 to 84 Months5.99%6.24%6.74%8.24%10.24%14.24%
85 to 120 Months6.24%6.49%6.99%8.49%10.49%14.49%

Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2019 & Older*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 60 Months6.99%7.24%7.74%9.24%11.24%15.24%
61 to 72 Months7.24%7.49%7.99%9.49%11.49%15.49%
73 to 84 Months7.59%7.84%9.24%10.74%11.84%15.84%

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Buy the toy, eat the cake, enjoy your life.
See all rates for: New or Used ATVs, Snowmobiles, Campers, Jet Skis, Smaller Boats or 4 Wheelers

New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2020-New*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 36 Months6.99%7.24%7.74%9.24%11.24%15.24%
37 to 48 Months7.24%7.49%7.99%9.49%11.49%15.49%
49 to 60 Months7.49%7.74%8.24%9.74%11.74%15.74%

Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2019 & Older*
Credit Score750+749-700699-660659-630629-600599-0
A+ABCDE
Up to 24 Months7.99%8.24%8.74%10.24%12.24%16.24%
25 to 36 Months8.99%9.24%9.74%11.24%13.24%17.24%

View our Loan Calculator
Use the Loan Calculator to compare rates, manage your monthly payment and check various payment options.

All rates are based on APR (annual percentage rate). Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.

* $1,000 new money required
** The annual percentage rate (APR) is based on the value of an index. The index is -.01 from the Prime Rate published in the Wall Street Journal with a floor of 3.99% for a home equity line of credit (HELOC) with a loan to value ratio of 60% or less. Minimum advance for existing HELOC is $500.
***Lowest possible rate for a second mortgage requires a loan to value ratio of 80% or less of assessed value. $5,000 new money required. Other rates and terms available.
^^ Lowest possible rate for a first mortgage requires a loan to value ratio of 80% or less. $5,000 new money required. Other rates and terms available.
^ Finance charges begin to accrue from the date of posting. Existing lines of credit can be disbursed without delay