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Personal Loans

Get the cash you need at a low rate you want 

MECU’s personal loans provide you with the cash you need when your finances call for it. Eligible members can choose between an unsecured loan beginning at $500 and up to $30,000 or a Share Savings/CD secured loan. Both are great options with low rates.

Share Savings/CD Collateral Loans

If you’re looking to build your credit or you need to make a purchase but don’t want to tap into your savings, a Share Savings/CD secured loan is a great option. By borrowing against your MECU savings, you receive an incredibly low rate, while still earning interest on your Share Savings or CD account. Additional features:

  • Borrow up to 100% of a Share Savings/CD account balance.
  • Enjoy a low interest rate; 2% over the rate of your Share Savings/CD account.
  • Pay no fee or penalties for early withdrawals.
  • Earn interest on your Share Savings or CD account.
  • Build your credit.
  • Protect your credit rating and collateral with Payment Protection.
Unsecured Personal Loans

Members in good standing are eligible for unsecured loans from $500 to $30,000, based on your creditworthiness and ability to repay. Apply through our Lending Center, available 24/7. For your convenience, ask us about automatic payments or payroll deduction, available with certain employers.

Preferred Credit Plan

Preferred Credit is a personal line of credit that can be used to write your own loans and act as overdraft protection for your checking account. It works similarly to a credit card in that you apply once, and a maximum credit limit is established. There is no need to reapply unless you want to request an increase in your credit limit.

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