Personal Loans

Based on what you're looking for, personal loans can be set up as a revolving line of credit or a closed end, term loan.

Installment Loans

  • Terms up to 60 months
  • No fees
  • No early repayment penalties
  • Amount of loan and rates are based on the credit score(s) of the applicant(s)
  • Access revolving loans and transfer funds through online banking
  • Life and disability credit insurance options available 

Sound Foundation

Our solution for those who have not yet established credit or are looking to repair their credit.

  • Closed end loan with secured fund component
    • Funds released upon full satisfaction of loan terms
  • Amounts available up to $5,000
  • Terms available up to 36 months

Cash on Demand

Our solution for any short-term cash needs you may have. This revolving line of credit provides flexibility to borrow money as you need it.

  • Designed to help with your current and future needs
  • Monthly payments based on what you borrow
  • Access funds easily through Online Banking or by contacting us
  • Life and disability credit insurance options available 

Overdraft Protection Line of Credit

Did you know MCCCU checking accounts offer a safety net for when funds are a little low?

  • Makes sure transactions are covered
  • Affordable monthly payments
  • Hassle free access—funds are automatically transferred when available
  • Prevents non-sufficient fund (NSF) and additional merchant fees
  • Life and disability credit insurance options available 


Loan Payment Calculator

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What is a personal loan?

A personal loan is a loan without material collateral such as a car or home. Also known as a signature loan, the maximum personal loan amount at MCCCU is $25,000. These loans can be used for many purposes. For example: a wedding, home renovation, educational needs, a dream vacation, or to tackle any curveballs life might throw at you.

Do you have to be a member to apply for a loan?

You do not have to be a member to apply for a loan with MCCCU. However, you will need to join the credit union during the loan closing process. Please click here to see if you are eligible for membership.

By what methods can I pay on my loan at Monroe County Community Credit Union?

We like to make it as convenient as possible for our members to make their loan payments! You can pay through our online banking platform, by transferring funds from another institution online, over the phone, or in person at any one of our locations. Make sure to ask about special loan rate benefits for automatically scheduled payments on vehicle loans!

How do I get pre-approved for a loan?

To get pre-approved for a loan with MCCCU, you can click here to apply online, stop in at any one of our locations, or give us a call at 800-541-2222. Please note that in order to complete the loan application, you will need to authorize MCCCU to pull your credit.


Personal Loans
Effective Date: Friday January 15, 2021
NameRates as low asTerms up to
Personal Loan 8.99% APR* 60 Months
Sound Foundation 5.50% APR* 36 Months
Cash on Demand 6.75% APR* Revolving
Variable rate based on prime rate plus margin
Overdraft Protection Line of Credit 7.25% APR* Revolving
Variable rate based on prime rate plus margin
*APR = Annual Percentage Rate | Variable rate products are not eligible for 1% discount

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