Locations Membership Contact Us Pay Your Loan Personal Business Rates ELECTRONIC BANKING PERSONAL BUSINESS Sign Up Get Competitive Rates from Your Local MCU Expert Deposit Rates Mortgage Rates Consumer Rates Home Equity Rates Calculators Consumer Loan Rates Effective 2/9/2021 MCU offers a variety consumer loan products. Check out our rates here! Auto Loans - New And Used Model Years 2020 – 2021 24 Month Term As low as 2.89% APR $42.93 Monthly Payment per $1,000 36 Month Term As low as 2.89% APR $29.03 Monthly Payment per $1,000 48 Month Term As low as 2.89% APR $22.09 Monthly Payment per $1,000 60 Month Term As low as 2.89% APR $17.92 Monthly Payment per $1,000 72 Month Term As low as 3.64% APR $15.48 Monthly Payment per $1,000 84 Month Term As low as 4.59% APR $13.94 Monthly Payment per $1,000 Model Years 2018 & 2019 24 Month Term As low as 2.89% APR $42.93 Monthly Payment per $1,000 36 Month Term As low as 2.89% APR $29.03 Monthly Payment per $1,000 48 Month Term As low as 2.89% APR $22.09 Monthly Payment per $1,000 60 Month Term As low as 2.89% APR $17.92 Monthly Payment per $1,000 72 Month Term As low as 3.64% APR $15.48 Monthly Payment per $1,000 Model Year 2017 24 Month Term As low as 3.14% APR $43.04 Monthly Payment per $1,000 36 Month Term As low as 3.14% APR $29.14 Monthly Payment per $1,000 48 Month Term As low as 3.14% APR $22.20 Monthly Payment per $1,000 60 Month Term As low as 3.14% APR $18.03 Monthly Payment per $1,000 72 Month Term As low as 3.64% APR $15.48 Monthly Payment per $1,000 Model Year 2016 24 Month Term As low as 3.39% APR $43.15 Monthly Payment per $1,000 36 Month Term As low as 3.39% APR $29.25 Monthly Payment per $1,000 48 Month Term As low as 3.39% APR $22.31 Monthly Payment per $1,000 Model Year 2015 24 Month Term As low as 3.44% APR $43.18 Monthly Payment per $1,000 36 Month Term As low as 3.44% APR $29.28 Monthly Payment per $1,000 48 Month Term As low as 3.44% APR $22.33 Monthly Payment per $1,000 Model Years 2013-2014 24 Month Term As low as 4.44% APR $43.62 Monthly Payment per $1,000 36 Month Term As low as 4.44% APR $29.72 Monthly Payment per $1,000 APR – Annual Percentage Rate. Rates are determined by your personal credit history. Rates are subject to change without notice. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. Apply Now! Auto Loan Refinance Special - Vehicle Years 2016 - 2021 Personal Unsecured Recreational Vehicle Loans - New RV and Boat 2020 - 2021 model year Recreational Vehicle Loans - Used RV and boat 2017 - 2019 model years Motorcycle Loans Model year 2020-2021 Motorcycle Loans Used - Model years 2017 - 2019 Overdraft Protection Home Improvement MASS SAVE Early Pay Faster access to direct deposit funds is here, with Early Pay. Open an Anytime Anywhere checking account to get needed funds up to two days early! Learn About MCU's Checking with Early Pay Watch your plans blossom into reality! With MCU’s interest-only Home Equity Line of Credit. Initial Rate is 2.50% APR for the first 12 months, then prime rate per month thereafter. Current Prime Rate is 3.25% APR. Learn more... Pay Your Loan Online loan payment processing is now available! Set up a one-time or recurring payment using your non-MCU checking or savings account. There is a $5.00 convenience fee for each payment made. Make a Payment MCU IN THE COMMUNITYAbout MCUPoliciesPrivacy & SecurityResourcesEmployment