Rates subject to change without prior notice.
APR = Annual Percentage Rate.
PRIME RATE: 7.00% (Effective 11/2/2022)

*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 Months100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.50%
APR: 5.409%
$43.65
36 Months100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.50%
APR: 5.119%
$29.75
48 Months100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.50%
APR: 4.971%
$22.81
60 Months100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.50%
APR: 4.881%
$18.65
61-72 Months  ($15,000 Minimum)100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.85%
APR: 5.172%
$16.04
73-84 Months  ($25,000 Minimum)100% Financing of NADA Value
APR based on $25,000 Loan and $185 fee
RATE: 5.25%
APR: 5.474%
$14.26
*Annual Percentage Rate on approved credit.

Used Vehicle Loans

TermInfoAPR*Monthly payment amount per $1,000 borrowed
60 Months, 2016-2018100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 4.85%
APR: 5.232%
$18.81
61-72 Months, 2016-2018 ($15,000 minimum)100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 5.50%
APR: 5.824%
$16.34
60 Months, 2015-Older100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee.
RATE: 7.25%
APR: 7.641%
$19.92
48 Months, 2015-Older100% Financing of NADA Value
APR based on $20,000 Loan and $185 fee
RATE: 6.50%
APR: 6.978%
$23.72
*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: 4.75%
APR: 5.132%
$18.76
8 YearsOver $20,000
100% financing of NADA value
APR Based on $20,000 Loan and $185 fee
RATE: 5.75%
APR: 6.00%
$13.02
10 YearsOver $30,000
100% financing of NADA value
APR Based on $30,000 Loan and $185 fee
RATE: 6.75%
APR: 6.889%
$11.49
15 YearsOver $50,000
100% financing of NADA value
APR Based on $50,000 Loan and $185 fee
RATE: 7.50%
APR: 7.561%
$9.27
*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: 5.75%
APR: 6.136%
$19.22
8 YearsOver $20,000
100% financing of NADA value
APR Based on $20,000 Loan and $185 fee
RATE: 6.75%
APR: 7.004%
$13.51
10 YearsOver $30,000
100% financing of NADA value
APR Based on $30,000 Loan and $185 fee
RATE: 7.75%
APR: 7.892%
$12.01
15 YearsOver $50,000
100% financing of NADA value
APR Based on $50,000 Loan and $185 fee
RATE: 8.50%
APR: 8.562%
$12.127
*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: 6.49%
APR: 7.272%
$19.57
72 Months100% financing of NADA value
APR based on $20,000 loan and $185 fee
RATE: 7.49%
APR: 7.822%
$17.29
*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: 7.25%
APR: 8.219%
$24.07
24 Months, 2014 + Older100% Financing of NADA Value
APR based on $10,000 Loan and $185 fee
RATE: 7.75%
APR: 9.605%
$45.12
36 Months, 2014 + Older100% Financing of NADA Value
APR based on $10,000 Loan and $185 fee
RATE: 8.50%
APR: 9.777%
$31.57
*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: 5.75%
APR: 5.904%
$19.22
Non Variable – 10 Years*Up to 80% LTV
2 Year Draw Period
RATE: 6.50%
APR: 6.583%
$11.36
Non Variable – 15 Years*Up to 80% LTV
2 Year Draw Period
RATE: 7.75%
APR: 7.811%
$9.42
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.