Loan Rates

See current rates for all of our loan options.

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.

Vehicle Loans

Rates Effective as of January 3, 2023

Auto Loans

Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Term	Annual Percentage Rate (APR) as low as
24 Months	4.95%
36 Months	4.95%
48 Months	5.20%
60 Months	5.45%
72 Months	6.20%
84 Months	7.20%

Recreational Vehicle Loans

Term	Annual Percentage Rate (APR) as low as
24 Months	4.95%
36 Months	4.95%
48 Months	5.20%
60 Months	5.45%
72 Months	6.20%
84 Months	7.20%
Up to 180 Months	call for rates

Personal Loans

Rates Effective as of January 3, 2023

Custom Loan

Rates subject to change. Please call for quote. Additional discounts may be available.
Term	Annual Percentage Rate (APR) as low as
Up to 60 Months	9.70%

Line of Credit

Rates subject to change. Please call for quote. Additional discounts may be available.
Annual Percentage Rates (APR) vary, currently as low as 8.95%

Secured Loans

Rates subject to change. Please call for quote. Additional discounts may be available.
Term	Annual Percentage Rate (APR) as low as
Share Secured (Variable Rate)	APR is 2% above deposited earnings.

Mortgages

Home Equity

Rates and terms may vary. Call for today’s lowest rates at 800/442-7792.