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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.

Find out how to skip your next loan payment.

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

Apply

Current Rates

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%

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

Apply

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.

Apply

Current Rates
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.

Custom Secured Loan

A Custom Secured Loan works similar to a vehicle loan, but you can use it for other purchases like farm equipment or a horse trailer.

Apply

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

Apply

Current Rates
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.

To apply for a loan or line of credit from MTC Federal Credit Union, you must be a credit union member. Learn more. If you have questions or need assistance, please contact us at 800-442-7792 or visit a branch near you.

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