Personal Loans 

MCT Federal Credit Union offers a variety of loans for members. Our goal is to help you manage expenses, plan for special occasions, or consolidate debt with support from a trusted local credit union. 

Loans List 

Use our unsecured signature loans for nearly any purpose. Terms range from 1 to 7 years, and our team is here to help guide you through the process. Members can rely on MCT for friendly support and flexible repayment options. 

Christmas Loans

Planning for the holidays? Borrow up to $2,000 ($4,000 for couples who are both members) and repay over a full year. Our Christmas loans make giving easier while keeping your finances manageable. 

Vacation Loans 

Need a getaway? Our vacation loans can help you plan your trip with confidence. Borrow up to $2,000 ($4,000 for couples who are both members) and take a full year to repay. Let MCT help make your travel plans more attainable. 

Consolidation Loans

Combine high-interest debt into a single, easier-to-manage monthly payment. Consolidation loans can save you time, money, and stress while helping you take control of your finances. Terms range from 1 to 7 years.

Home Improvement Loans

Planning upgrades or repairs for your home? MCT provides loans specifically for home improvement projects. Whether it’s a kitchen remodel, roof repair, or energy-efficient upgrades, we help members fund projects that increase comfort and value. 

Share and Share Certificate Secured Loans

If you’d like to borrow while keeping your savings intact, a share or share certificate secured loan is a smart option. By using your account balance as collateral, you can access funds while your savings continue to grow. These loans are a great way to establish or build credit with lower risk.

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Why Choose MCT Loans?

  • Local Montgomery County support and guidance

  • Flexible loan terms tailored to member needs

  • Transparent process with clear information

  • Access to expert advice for making smart financial choices 

Contact Us

Get Started Today 

Applying is simple: check your eligibility, gather the required basic documents, such as ID and proof of income, and submit your application online or visit our Montgomery County branch. MCT is here to guide you every step of the way. 

From personal loans to holiday and vacation financing, MCT FCU offers members in Montgomery County reliable support and options to meet their needs.

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