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Loan Rates

Are you at the dealer? Let them know that you want your financing through MVCU!

Current Loan Rates effective as of: December 1, 2022

Loan Type Maximum Terms Fixed Fixed APR Variable APR
New or Used Car / Truck  *Terms may be extended up to 12 Months for an added 1%APR
New – 2018 72 Months* As low as 5.49% N/A
2017 – 2013 60 Months* As low as 6.49% N/A
2012 – 2008 48 Months* As low as 7.49% N/A
2007 – Older 36 Months* As low as 8.49% N/A
Classic Car 84 Months* As low as 9.49% Certified Appraisal Required N/A
Personal (Signature)  Loans    (Maximum $5,000)
No Loan Processing Fee 12 Months As low as 7.49% N/A
24 Months As low as
36 Months As low as
48 Months As low as
Consolidation Loans    (Maximum $10,000)
48 Months As low as 11.99% No Cash Out N/A
Home Equity Lines of Credit**
$10,000 – Under 60 Months N/A 4.00%
$10,001 – $15,000 120 Months N/A 4.00%
$15,001 – Above 180 Months N/A 4.00%
Closed End Home Equity**
$5,000 – $10,000 60 Months 4.69% N/A
$10,001 – $100,000 120 Months 4.69% N/A
New & Used Boats & RV’s
Up to $10,000 72 Months As low as


$10,001 – $20,000 120 Months As low as
Over $20,000 180 Months As low as
New & Used Motorcycles  *Terms may be extended up to 12 Months for an added 1%APR
New – 2018 72 Months* As low as 5.49% NA
2017 – Older 72 Months* As low as 6.49% NA
Share Certificate
Equal to Term 3% Above CD N/A
Share Secured
180 Months 3.00% N/A
Home Loans: Call Liz Terwilliger NMLS ID 137587
Cell #419-699-5130 Office # 419-931-9011 for your mortgage options
80% LTV – 0 point 15 Years call NA
80% LTV – 0 point 30 Years call NA
VA & FHA Loans 30 Years call NA
VISA Credit Card
Visa Platinum 2% of Balance
7.9% to 19.9% N/A
MVCU’s Visa Platinum Credit Card rates are based on your credit score.

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).