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Personal Loans

Whether you need to borrow a little or a lot, we can help.

Sometimes you need more money than what you have in your accounts. When that happens, you can count on MTC Federal! You can use our Personal Loan options to help you pay for anything: travel, electronics, trailers, storm shelters, weddings, furniture, farm equipment, unexpected expenses and more. A personal loan can also help you consolidate your debt to a single payment at a lower rate.

A custom loan from MTC Federal helps you cover expenses easily. Whether you need to borrow a little or a lot, we can help.

  • Terms up to 60 months
  • Low fixed rates
  • Predictable payments
  • Option to participate in our Skip-a-Pay program

Current Rates

Personal 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 4.45%

A line of credit gives you the advantage of flexible borrowing. Apply once, receive approval for a certain amount, then use what you need when you need it and pay interest only on what you owe.

Custom Line of Credit

You can use a Custom Line of Credit for anything! This is a great option if you know you’ll need access to additional funds in the future but you don’t need a large amount all at once.

  • Competitive variable rates
  • Revolving line of credit

Overdraft Line of Credit

An Overdraft Line of Credit is used specifically to protect your checking account from accidentally becoming overdrawn. These funds cannot be used for any other purpose. Learn more about Overdraft Protection.

Current Rates

Personal 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%

With a secured loan, you borrow money using something as collateral to guarantee that you’ll pay the loan back.

Share Secured Loan

A Share Secured Loan allows you to pledge your Dividend Share Savings Account as a guarantee of payment. This means you can borrow money against your savings without having to actually spend the money you’ve saved.

  • Competitive variable rates
  • Terms up to 24 months
  • Option to participate in our Skip-a-Pay program

Current Rates

Personal Secured Loan

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.

Apply to take advantage of your great rate:

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