Rates subject to change without prior notice.
APR = Annual Percentage Rate.
PRIME RATE: 4.00% (Effective 5/4/2022)

*Annual Percentage Rate on approved credit. All rates are subject to change without notice. Special terms may apply. Other rates and terms available. Contact a credit union representative for further information about applicable fees and terms. Home Equity tax-deductible interest eligibility depends on your tax situation and the amount you borrow – check with your tax advisor.

Vehicle Loans – 2019-2022

TermInfoAPR*Monthly payment amount per $1,000 borrowed
24 Months110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 3.24%
APR: 4.138%
$43.10
36 Months110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 3.24%
APR: 3.852%
$29.20
48 Months110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 3.24%
APR: 3.705%
$22.25
60 Months110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 3.24%
APR: 3.615%
$18.09
61-72 Months  ($15,000 Minimum)110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 3.99%
APR: 4.309%
$15.65
73-84 Months  ($25,000 Minimum)110% Financing of NADA Value
APR based on $25,000 Loan and $185 fee
RATE: 4.49%
APR: 4.712%
$13.90
*Annual Percentage Rate on approved credit.

Used Vehicle Loans

TermInfoAPR*Monthly payment amount per $1,000 borrowed
60 Months, 2016-2018110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 3.74%
APR: 4.118%
$18.31
61-72 Months, 2016-2018 ($15,000 minimum)110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.49%
APR: 4.811%
$15.87
60 Months, 2015-Older110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee.
RATE: 6.25%
APR: 6.637%
$19.46
48 Months, 2015-Older110% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 5.50%
APR: 5.974%
$23.26
*Annual Percentage Rate on approved credit.

New Boat & RV Loan

TermInfoAPR*Monthly payment amount per $1,000 borrowed
5 YearsUp to $20,000
100% financing of NADA value
APR based on $20,000 loan and $185 fee
RATE: 4.25%
APR: 4.633%
$18.52
8 YearsOver $20,000
100% financing of NADA value
APR Based on $20,000 Loan and $185 fee
RATE: 5.25%
APR: 5.50%
$12.77
10 YearsOver $30,000
100% financing of NADA value
APR Based on $30,000 Loan and $185 fee
RATE: 5.99%
APR: 6.128%
$11.09
15 YearsOver $50,000
100% financing of NADA value
APR Based on $50,000 Loan and $185 fee
RATE: 6.99%
APR: 7.051%
$8.98
*Annual Percentage Rate on approved credit.

Used Boat & RV Loan

TermInfoAPR*Monthly payment amount per $1,000 borrowed
5 YearsUp to $20,000
100% financing of NADA value
APR based on $20,000 loan and $185 fee
RATE: 4.99%
APR: 5.376%
$18.86
8 YearsOver $20,000
100% financing of NADA value
APR Based on $20,000 Loan and $185 fee
RATE: 5.99%
APR: 6.243%
$13.13
10 YearsOver $30,000
100% financing of NADA value
APR Based on $30,000 Loan and $185 fee
RATE: 6.99%
APR: 7.131%
$11.60
15 YearsOver $50,000
100% financing of NADA value
APR Based on $50,000 Loan and $185 fee
RATE: 7.99%
APR: 8.053%
$9.54
*Annual Percentage Rate on approved credit.

New Snowmobile, 4 Wheeler, Jet Ski, Lawn Equipment, etc.

TermInfoAPR*Monthly payment amount per $1,000 borrowed
60 Months100% financing of NADA value
APR based on $10,000 loan and $185 fee
RATE: 4.99%
APR: 5.759%
$18.86
*Annual Percentage Rate on approved credit.

Used Snowmobile, 4 Wheeler, Jet Ski, Lawn Equipment, etc.

TermInfoAPR*Monthly payment amount per $1,000 borrowed
48 Months, 2015-2021100% Financing of NADA Value
APR based on $10,000 Loan and $185 fee
RATE: 5.99%
APR: 6.946%
$23.47
24 Months, 2014 + Older100% Financing of NADA Value
APR based on $10,000 Loan and $185 fee
RATE: 6.99%
APR: 8.832%
$44.75
36 Months, 2014 + Older100% Financing of NADA Value
APR based on $10,000 Loan and $185 fee
RATE: 7.99%
APR: 9.257%
$31.32
*Annual Percentage Rate on approved credit.

Mortgage

InfoAPR
Our conventional, fixed-rate mortgage gives you a fixed monthly payment for the term you select from the Credit Union’s various term options.Please contact a credit union representative for rates.
Annual Percentage Rate on approved credit.

Construction Loan

Info
Midwest Community Federal Credit Union offers short-term construction loans.

Please contact a credit union representative for rates.

Home Equity Line of Credit

TermInfoAPR*Monthly payment amount per $1,000 borrowed
Non Variable – 5 Years*Up to 80% LTV
2 Year Draw Period
RATE: 3.50%
APR: 3.651%
$18.20
Non Variable – 10 Years*Up to 80% LTV
2 Year Draw Period
RATE: 4.25%
APR: 4.329%
$10.25
Non Variable – 15 Years*Up to 80% LTV
2 Year Draw Period
RATE: 5.75%
APR: 5.808%
$8.31
Read Our Home Equity Disclosure
Annual Percentage Rate on approved credit
ALL MORTGAGE APR's ARE BASED ON A $50,000 MORTGAGE AND $185 CLOSING FEE
*Other rates available on requests up to 90% LTV.

Student Loan

Info
Midwest Community Federal Credit Union offers CU Student Choice private student loans. Rates and terms vary. No origination or pre-payment fees, flexible repayment options, and a convenient line of credit structure make this the better way to pay for college.
View Rates

Share Secured Loan

TermInfoAPR*
Matches maturity of instrument used to secure loan.Rate is 4% over the dividend rate paid on security.
May borrow up to 100% of security.
Fixed
*Annual Percentage Rate on approved credit.

Signature Loan

TermInfoAPR*
Up To 5 YearsAPR based on $10,000 loan and $185 fee

(e.g., A five year $10,000 loan at 10.795% APR requires a monthly payment of $216.40)
RATE: 9.99%
APR: 10.795%
*Annual Percentage Rate on approved credit.

Overdraft Line of Credit

InfoAPR
Provides overdraft protection with incremental deposits to your Midwest Community Checking Account to cover drawn checks.RATE: 12.00%
Annual Percentage Rate on approved credit.

VISA Platinum Rewards Credit Card

Rewards:

  • 1 point for every dollar spent
  • 3X Points on Gas and Groceries
  • Enrollment Bonus: 10,000 points for the first $1,000 spent within first 90 days.
  • Travel Rewards
  • Merchandise Rewards: Extensive Merchandise Catalog available for redemption

Redemption Rewards:

  • Merchant Gift Cards
  • Points-to-Cash:  Credit to Statement, Deposit to checking, savings, loan, charitable contribution
InfoAPR
Non Variable Rate for Purchases, Cash Advances, Balance TransfersRATE: 10.99%
Annual Percentage Rate on approved credit.

VISA Classic Credit Card

InfoAPR
Purchases and Cash AdvancesRATE: 14.75%
*Annual Percentage Rate on approved credit.

VISA Platinum Credit Card

InfoAPR
Introductory Rate for Six MonthsRATE: 3.99%
Purchases and Cash AdvancesRATE: 8.99%
Annual Percentage Rate on approved credit.

VISA Business Credit Card

InfoAPR
Purchases and Cash AdvancesRATE: 9.99%
Annual Percentage Rate on approved credit.