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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 March 16, 2017

Auto Loans

 2015 & Newer Vehicles2014 & Older Vehicles
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.
* Minimum financing of $20,000
** Minimum financing of $35,000
TermAnnual Percentage Rate (APR) as low as
36 Months2.75%3.75%
48 Months2.95%3.95%
60 Months2.95%3.95%
72 Months3.50% *4.50% *
84 Months4.95% **n/a

Recreational Vehicle Loans

 2015 & Newer Vehicles2014 & Older Vehicles
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.
* Minimum financing of $20,000
** Minimum financing of $35,000
TermAnnual Percentage Rate (APR) as low as
48 Months3.50%4.50%
60 Months3.95%4.95%
72 Months4.25%5.25%
84 Months4.95%5.95%
Up to 180 Monthscall for ratescall for rates

Personal Loans

Rates Effective as of March 16, 2017

Custom Loan

TermAnnual Percentage Rate (APR) as low as
Rates subject to change. Please call for quote. Additional discounts may be available.
Up to 60 Months7.95%

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

TermAnnual Percentage Rate (APR) as low as
Rates subject to change. Please call for quote. Additional discounts may be available.
Custom Secured
(Fixed Rate)
3.50%
Share Secured
(Variable Rate)
APR is 2% above deposited earnings.

Mortgages

Rates Effective as of September 15, 2017

First Mortgages

ProductRate as low asAnnual Percentage Rate (APR)
Rates subject to change. Please call for quote. Additional discounts may be available.
30 Year Fixed3.88%4.08%
20 Year Fixed3.88%4.17%
15 Year Fixed3.50%3.87%
7/1 Arm3.82%4.02%
5/5 Arm3.57%4.22%
5/1 Arm3.07%4.03%
3/3 Arm3.32%4.25%
3/1 Arm2.82%4.10%
2/2 Arm2.67%4.29%
1/1 Arm2.57%4.27%

Short Term Mortgages

TermRate as low asAnnual Percentage Rate (APR)
Rates subject to change. Please call for quote. Additional discounts may be available.
7 Year3.50%4.20%
10 Year3.65%4.15%
12 Year3.80%4.23%

Land Loans

TermRate as low asAnnual Percentage Rate (APR)
5 Year5.75%6.73%
10 Year6.75%7.28%
15 Year7.75%8.14%

Home Equity

Rates Effective as of September 15, 2017

Home Equity Loan

TermRate as low asAnnual Percentage Rate (APR)
Rates subject to change. Please call for quote. Additional discounts may be available.
5 Year2.50%3.46%
10 Year3.50%4.00%
15 Year4.50%4.86%

Home Equity Line of Credit

TermRates as low asAnnual Percentage Rate (APR)
Rates are tied to prime and are subject to change. Please call for quote. Additional discounts may be available.
15 Year3.75%3.75%
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