Personal Loans

MPCU offers several affordable financing options to meet your personal needs. Don’t see exactly what you need here? Get in touch with one of our representatives, and we'll do our best to help. Our Loan Officers are always happy to discuss your specific needs and the options that will work best for you.

All Purpose Loan

You can use this option for almost any purpose, like a new laptop, a new furnace, or a much-needed vacation. For many people, all-purpose loans are a better alternative than most credit cards—its low, fixed rate, no fee and short term (12 months maximum term) make it easier to pay off. It offers very competitive rates and you will save up to $175 in bank loan fees. 

Personal Line of Credit

This is our most convenient personal loan option. Once you are approved for this loan, your loan advances can be easily performed by phone, online or in person. You’ll also enjoy a competitive interest rate.

Home Improvement Loans

A home improvement loan can get you the cash you need for your home projects. We offer very competitive rates that can save you up to $175 in bank loan fees.

Share Secured Loans

Share Secured Loans are simple, quick and inexpensive loans secured by the funds in your MPCU Deposit Account. The interest rate is just 2 points above the rate of the deposit account being pledged.

Credit Cards

New cardholders get 0% APR on purchases and balance transfers for 6 months!  Click on the link for details.  MPCU Platinum Visas are money-savers even after the introductory period because our standard rates are well below the national average rate of almost 17% APR!.  Many big banks charge much higher rates, as much as 29% APR!  Your local, not-for-profit credit union offers you better alternatives: two straight-forward, low rate, no annual fee Platinum Visa Credit Cards!

With your My Personal Credit Union Platinum Rewards Visa, your rewards choices include cash back, air travel, merchandise, popular gift cards for favorite restaurants and stores, and more. More information.

Student Loans

Introducing the My Personal Credit Union Smart Option Student Loan® By Sallie Mae®. Pay for college the smart way with three great repayment options and competitive interest rates. This is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. For more information or to apply, click here. 

Apply for the loan that best matches your financial needs online, via telephone, or at your favorite MPCU branch today!

Current Loan Rates