Rates subject to change without prior notice.
APR = Annual Percentage Rate.
PRIME RATE: 8.00% (Effective 9/18/2024)

*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 – 2022-2024

TermInfoAPR*Monthly payment amount per $1,000 borrowed
24 Months100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 6.40%
APR: 7.466%
$44.51
36 Months100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 6.40%
APR: 7.128%
$30.61
48 Months100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 6.40%
APR: 6.956%
$23.67
60 Months100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 6.40%
APR: 6.851%
$19.53
61-72 Months  ($15,000 Minimum)100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 6.65%
APR: 7.032%
$16.89
73-84 Months  ($25,000 Minimum)100% Financing of NADA Value
APR based on $25,000 Loan and $215 fee
RATE: 7.50%
APR: 7.769%
$15.34
*Annual Percentage Rate on approved credit.

Used Vehicle Loans

TermInfoAPR*Monthly payment amount per $1,000 borrowed
60 Months, 2018-2021100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 6.65%
APR: 7.102%
$19.64
61-72 Months, 2018-2021 ($15,000 minimum)100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 7.50%
APR: 7.886%
$17.30
48 Months, 2017-Older100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee
RATE: 8.30%
APR: 8.864%
$24.56
60 Months, 2017-Older100% Financing of NADA Value
APR based on $20,000 Loan and $215 fee.
RATE: 8.80%
APR: 9.262%
$20.67
*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 $215 fee
RATE: 7.25%
APR: 7.705%
$19.93
8 YearsOver $20,000
100% financing of NADA value
APR Based on $20,000 Loan and $215 fee
RATE: 8.00%
APR: 8.301%
$14.14
10 YearsOver $30,000
100% financing of NADA value
APR Based on $30,000 Loan and $215 fee
RATE: 9.00%
APR: 9.169%
$12.67
15 YearsOver $50,000
100% financing of NADA value
APR Based on $50,000 Loan and $215 fee
RATE: 10.00%
APR: 10.076%
$10.75
*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 $215 fee
RATE: 8.25%
APR: 8.709%
$20.40
8 YearsOver $20,000
100% financing of NADA value
APR Based on $20,000 Loan and $215 fee
RATE: 9.00%
APR: 9.306%
$14.66
10 YearsOver $30,000
100% financing of NADA value
APR Based on $30,000 Loan and $215 fee
RATE: 10.00%
APR: 10.172%
$13.22
15 YearsOver $50,000
100% financing of NADA value
APR Based on $50,000 Loan and $215 fee
RATE: 11.00%
APR: 11.078%
$11.37
*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 $215 fee
RATE: 8.50%
APR: 9.428%
$20.52
72 Months100% financing of NADA value
APR based on $20,000 loan and $215 fee
RATE: 9.50%
APR: 9.896%
$18.28
*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, 2019-2024100% Financing of NADA Value
APR based on $10,000 Loan and $215 fee
RATE: 9.25%
APR: 10.395%
$25.01
24 Months, 2018 + Older100% Financing of NADA Value
APR based on $10,000 Loan and $215 fee
RATE: 9.50%
APR: 11.676%
$45.92
36 Months, 2018 + Older100% Financing of NADA Value
APR based on $10,000 Loan and $215 fee
RATE: 9.75%
APR: 11.247%
$32.16
*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
5 Year Draw Period
RATE: 6.75%
APR: 7.002%
$19.69
Non Variable – 10 Years*Up to 80% LTV
5 Year Draw Period
RATE: 7.75%
APR: 7.888%
$12.01
Non Variable – 15 Years*Up to 80% LTV
5 Year Draw Period
RATE: 8.75%
APR: 8.852%
$10.00
Read Our Home Equity Disclosure
Annual Percentage Rate on approved credit
ALL MORTGAGE APR's ARE BASED ON A $50,000 MORTGAGE AND $300 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 $215 fee

(e.g., A five year $10,000 loan at 12.96% APR requires a monthly payment of $218.88)
RATE: 10.50%
APR: 11.447%
*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.