Loans

MCT Federal Credit Union is here to make borrowing simpler, more affordable, and more personal. Whether you’re covering an unexpected expense, improving your home, or purchasing a vehicle, our loan options are designed to support your goals and strengthen your financial well-being.

Personal Loans

Our personal loans give you flexibility when life calls for extra support. Choose from secured options—using your savings or certificates as collateral for lower rates while keeping your funds intact—or unsecured options that provide access to funds without collateral. With flexible repayment terms, predictable monthly payments, and a simple process, you can cover what matters most, from medical expenses to family milestones, without added stress.

Holiday & Vacation Loans

Make memories without financial strain. Borrow what you need to enjoy a stress-free holiday season or take that well-deserved trip, with repayment terms designed to fit your budget.

Annual rate determined by the Board of Directors.

Consolidation Loans  

Take control of your debt with one predictable monthly payment. Consolidating higher-interest balances into a single loan can save you money and simplify your financial life.

Home Improvement Loans

Turn your house into the home you’ve been envisioning. With our home improvement loans, funds are sent directly to your contractors, so your projects move forward without delay and you can enjoy the upgrades sooner.

Auto Loans

From cars and trucks to motorcycles, RVs, and boats, MCT FCU helps you hit the road (or the water) with financing options that fit your lifestyle. Flexible terms and affordable payments help you stay on track without straining your budget.

Mortgages

Your home is one of the biggest investments you’ll ever make, and we’re here to guide you every step of the way. With fixed-rate mortgages, home equity loans, and HELOCs, MCT FCU offers options that make homeownership more attainable and home improvements more manageable.

Credit Cards

A smart, low-rate credit card can make everyday purchases more rewarding. Our cards are designed to help you manage spending responsibly, avoid unnecessary fees, and keep more money in your pocket.

Advice & Support

We know that borrowing is about more than numbers; it’s about peace of mind. That’s why our team is here to help you choose the right loan, understand repayment, and feel confident in your decisions.