Loans

Get the right ride for winter. Auto Loans

Why wait? Now is the perfect time to get ready for Michigan’s winter weather.
We’ve lined up low rates and easy terms for a great payment.

  • New car loans as low as 3.24% APR*
  • Used car loans as low as 4.24% APR*

*APR= Annual Percentage Rates are effective 10-1-2019 and are based on creditworthiness, subject to approval
and eligible for Loyalty Rewards discounts. Monthly payment per $1,000 borrowed for 60 months at 3.24%
APR= $18.08; at 4.24% APR=$18.25. Restrictions may apply. Offer good through 12/31/19.
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Holiday Loans Make the Season Bright

Fly the grandparents out. Update your computer. Take a getaway. When you want
your days to be merry and bright, our Holiday Loan shines.

  • 5.99% APR*
  • Borrow $500 to $2,500 for up to 12 months

*Annual Percentage Rate effective 10/1/19, subject to change, is the lowest rate available for
qualified buyers, and ineligible for Loyalty Discount. All loans subject to
credit approval. Monthly
payment per $1,000 borrowed at 5.99% APR for 12 months=$86.08.
apply today for a holiday loan

Rapid Cash $500 no credit check

Our Rapid Cash loan is a much better alternative to payday lenders, who charge as much as 300% APR (Yes, that’s three hundred percent!).

• Borrow up to $500
• No credit check required
• Just 18% APR*

Apply today by calling 800-328-8051, ext. 2407 or by visiting one of our four branch locations.

Annual Percentage Rate effective 4/1/19 and subject to change. Applicant must be a MCCCU member for at least six months before applying and have an aggregate monthly direct deposit equal to or greater than the loan’s monthly payment. Minimum loan amount=$200; maximum loan amount=$500. A $50 processing fee must be available in your account or paid by funds other than the proceeds of the loan. Rapid Cash loan cannot be combined with another MCCCU loan. Offer may be revoked at any time without notice. Restriction may apply. Monthly payment for $500 borrowed for 6 months at 18% APR=$87.79.

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Skip your current loan payment and free
up cash for vacations, celebrations, or
unexpected bills. You can skip up to two
loans per calendar year.
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eSign Graphic

eSign saves you a trip to a branch
by allowing you to securely sign
all your MCCCU documents using
your smartphone, tablet or laptop.

Loyalty Discount Graphic

We’re Saying Thanks with Loyalty Discounts
Take our low loan rates even lower and save
up to one-half percent on your next loan by doing
more business with us.
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Credit Builder Loan

We’ve designed the Credit Builder Loan to help you build a better credit record. We have rates as low as 9.99% APR.
The minimum loan is $500 and the minimum term is 12 months. Here’s how it works.

FastTrax Lending

FastTrax Lending lets you apply when you need a loan “right now”. It’s easy to use and saves you time by allowing you to
eSign your loan documents using your smartphone or tablet!  Apply Now

Mechanical Repair Coverage

Smart drivers are choosing Member’s Choice® Mechanical Repair Coverage. It helps protect against costly repairs
and could save you thousands of dollars in future repair costs. Enroll today by calling 586-228-8484, option 5
for a Member Solutions Representative.

what our members are saying

Need to calculate a payment or decide how much you can borrow? Here’s a quick link to financial calculators.

Loan Rates

Are you looking for a low rate with flexible terms? We have the loan that works best for you!
Call us today at 800-328-8051, option 5 or apply online here.

PRINT PRODUCT SHEETS

Loan Type Rates as of: December 10, 2018
Name APR*  
New Auto As low as 3.24% 100% Financing available
Used Auto As low as 4.24% 100% Financing available
New/Used Recreational Vehicle As low as 5.24% Titled-Motor Homes, Travel Trailers & Fifth Wheels
New/Used Power Sport As low as 5.24% Motorcycle, ATV, Jet Ski & Snowmobile
New/Used Boat As low as 5.24% May be subject to a marine survey.
*APR = Annual Percentage Rate
Rates are subject to change. Additional charges could apply, such as any late payment fees and/or security interest charges. A down payment may be required. Acceptance maybe subject to verification of identity.

Real Estate Loans

The equity in your home provides you the freedom to do home improvements, pay for college, and even consolidate bills.
Call us today at 800-328-8051, extension 2411 for complete details on your Mortgage and Home Equity Loan options.

Home Equity/Mortgage Rates as of: January 19, 2017
Name APR* Term
Home Equity-Fixed Rate To learn more about your Home Equity options,
call 800-328-8051, extension 2411
Up to 120 months
Mortgages
Click here for Daily Rates
To learn more about your mortgage options,
call  800-328-8051,  extension 2411
Varies
*APR = Annual Percentage Rate
Rates are subject to change. Additional charges could apply, such as any late payment fees and/or security interest charges. A down payment may be required. Acceptance maybe subject to verification of identity.
Anti Redlining Notice
Other Loans Rates as of: December 10, 2018
Name APR* Term
Personal Loan As low as 8.99% Borrow for any purpose.
Visa Platinum As low as 9.00% Open-ended
*APR = Annual Percentage Rate
Rates are subject to change. Additional charges could apply, such as any late payment fees and/or security interest charges. A down payment may be required. Acceptance may be subject to verification of identity.

NADA

Click here for Auto, Motorcycles, RXs, Boats, Classic Cars and Manufactured Home Values