As a credit union, MTC Federal returns its profits to members in the form of better rates and fewer fees. We offer competitive rates and terms on all the loan products you need, and we’ll work with you to find the loan that’s right for you.
Loan Rates
See current rates for all of our loan options.
Rates Effective as of September 4, 2025.
Auto Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 24 Months | 5.70% |
| 36 Months | 5.70% |
| 48 Months | 5.95% |
| 60 Months | 6.20% |
| 72 Months | 6.95% |
| 84 Months | 7.95% |
Recreational Vehicle Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 24 Months | 5.70% |
| 36 Months | 5.70% |
| 48 Months | 5.95% |
| 60 Months | 6.20% |
| 72 Months | 6.95% |
| 84 Months | 7.95% |
| Up to 180 Months | call for rates |
Rates Effective as of September 4, 2025.
Custom Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Up to 60 Months | 10.45% |
Line of Credit
| Annual Percentage Rates (APR) vary, currently as low as 8.95% |
Secured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
|
Share Secured (Variable Rate) |
APR is 2% above deposited earnings. |
Home Mortgage, Refinance, or HELOC
Rates and terms may vary. Call for today’s lowest rates at 800-442-7792 or get more information about a home mortgage, refinancing or a HELOC – HERE.