Just what you need
Open a personal line of credit to get exactly the funds you need, when you need them.
No collateral
Open your personal line of credit quickly with no collateral necessary.
Pay for anything
With few restrictions on use, you can pay for just about anything.
Low fixed rate
Your rate is locked in for the life of your line of credit.
No annual fee
Save more, with no annual fee charges.
Low minimum
Get a line of credit as little as $500.
Easy to use
Easily transfer funds from your line of credit to your account.
Today's rates
View rates12 months
As low asCalculate your monthly payment
Monthly Payment
Predictable payments
With a fixed-rate personal line of credit, payments are predictable. You'll always know how much you need to pay back when you draw funds.
Funds on hand
You don't have to reapply every time you need funds. Draw from your personal line of credit (up to your max) as needed.
Members regularly rave about our competitive rates, convenient locations and friendly staff.
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1
Complete an application
Fill out an application online or visit us at a branch.
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2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Use the funds
Transfer funds from your new personal line of credit to your account, as needed.
Have questions? We're here to help!
Funds for fundamentals
With low fixed rates and easy access, use your personal line of credit to pay for what you need, when you need it.
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(1) APR is the Annual Percentage Rate. Rate listed is effective May 3, 2023 and is subject to change.
(2) To obtain a personal line of credit borrowers must have a personal checking account with MCCU and enroll in autopay for the line of credit. Subject to loan approval. MCCU membership required.
Rates
| Loan | APR |
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Personal Line of Credit |
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Rates effective as of: January 18, 2025
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