Personal Loans

Your credit union offers a variety of personal loans. Our friendly and professional loan officers will help you choose the right loan to meet your borrowing needs.

How to Apply

  1. Apply and sign electronically online: Online Loan Application (for new and existing members)
  2. Click “Apply for a Loan” in Online Banking (you must already be a member with online banking access)

Personal Loan

A Personal Loan is a great way to finance a purchase of your choice. Fixed rates with terms of up to 48 months. You can view our current rates here.

Single Payment Loan

A Single Payment Loan is short-term loan that members pay off with a single payment by the end of the loan term. Terms range from 30 to 90 days and have fixed rates. You can view our current rates here.

Personal Line of Credit

A Personal Line of Credit is a revolving line of credit that allows you to write your own loan as you go. Your personal line of credit has a fixed rate and allows you to balance the ups and downs in your cash flow by accessing funds when you need them. This convenient service is available for qualified members and there is no charge for signing up. You can also tie your Personal Line of Credit to your draft account for overdraft protection. You can view our current rates here.

Xpress Payday Loan

An Xpress Payday Loan is an affordable cash advance loan to make ends meet from one paycheck to the next. Are you are are facing an unexpected expense or caught up in the payday loan cycle? Consider the Xpress Payday Loan for a smarter solution to cash in a pinch. You can view our current rates here.

Xpress Payday Loan Features:
    Fast and easy
    No credit check required
    Maximum loan amount $1,000.00

You must apply in person for the Xpress Payday Loan.  Please bring proof of income and a photo ID.

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Current Rates
Vehicle Loans APR*
New Auto - 1.99%
Used Auto - 2.99%
New Recreational - 1.99%
Used Recreational -3.49%
Home Equity Loan APR*
60 Month - 4.75%
84 Month - 5.00%
120 Month - 5.50%
Share Certificates APY*
6 Month - 0.45%
12 Month - 0.60%
24 Month - 0.90%
*Rates listed represent our best rate and is based on credit history. Rates are subject to change. Contact MTEFCU for details.