Are you at the dealer? Let them know that you want your financing through MVCU!
Current Loan Rates effective as of: July 27, 2023
New or Used Car or Truck
| Loan Type | Maximum Terms Fixed | Fixed APR | Notes |
|---|---|---|---|
| New – 2018 | 72 Months* | As low as 7.49% | |
| 2017 – 2013 | 60 Months* | As low as 8.49% | |
| 2012 – 2008 | 48 Months* | As low as 9.49% | |
| 2007 – Older | 36 Months* | As low as 10.49% | |
| Classic Car | 84 Months* | As low as 10.49% | Certified Appraisal Required |
| *Terms may be extended up to 12 Months for an added 1% APR | |||
Personal (Signature) Loans (Maximum $5,000)
| Maximum Terms Fixed | Fixed APR | Notes |
|---|---|---|
| 12 Months | As low as 9.49% | No Loan Processing Fee |
| 24 Months | As low as 10.99% | |
| 36 Months | As low as 11.99% | |
| 48 Months | As low as 13.99% |
Consolidation Loans (Maximum $10,000)
| Maximum Terms Fixed | Fixed APR | Notes |
|---|---|---|
| 48 Months | As low as 13.99% | No Cash Out |
Closed End Home Equity**
| Loan Type | Maximum Terms Fixed | Fixed APR |
|---|---|---|
| $5,000 – $10,000 | 60 Months | 6.69% |
| $10,001 – $100,000 | 120 Months | 6.69% |
New & Used Boats & RV’s
| Loan Type | Maximum Terms Fixed | Fixed APR |
|---|---|---|
| Up to $10,000 | 72 Months | As low as 8.99% |
| $10,001 – $20,000 | 120 Months | As low as 9.99% |
| Over $20,000 | 180 Months | As low as 9.99% |
New & Used Motorcycles
| Loan Type | Maximum Terms Fixed | Fixed APR |
|---|---|---|
| New – 2018 | 72 Months* | As low as 7.49% |
| 2017 – Older | 72 Months* | As low as 8.49% |
| *Terms may be extended up to 12 Months for an added 1% APR | ||
Share Certificate
| Maximum Terms Fixed | Fixed APR |
|---|---|
| Equal to Term | 3% Above CD |
Share Secured
| Maximum Terms Fixed | Fixed APR |
|---|---|
| 180 Months | 3.00% |
Home Loans
Call Liz Terwilliger for your mortgage options
NMLS ID 137587
Cell 419-699-5130
Office 419-931-9011
| Loan Type | Maximum Terms Fixed | Fixed APR |
|---|---|---|
| 80% LTV – 0 point | 15 Years | call |
| 80% LTV – 0 point | 30 Years | call |
| VA & FHA Loans | 30 Years | call |
VISA Credit Card
MVCU’s Visa Platinum Credit Card rates are based on your credit score.
| Loan Type | Maximum Terms Fixed | Fixed APR |
|---|---|---|
| Visa Platinum | 2% of Balance non-variable | 9.9% to 19.9% |
Current Loan Rates effective as of: July 27, 2023
Certain loan types are exempt from special promotional discounts.
We match rate and terms – some dealer promotions do not apply.
LTV = Loan to Value
**LTV 80% — Annual Percentage Rate (APR) – No Annual Fees!
Fixed rate loans have a $295 processing fee. Home loans are exempt from this fee.
Cash advances cannot be used to payoff current MVCU account.
We do business in accordance with the federal fair housing law and equal credit opportunity act.
MVCU reserves the right to change rates at any time prior to loan closing.
All Variable rates may increase or decrease after loan consumption.
Military Lending Act: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).