Routing Number: 271291460 (219) 874-6943 - Michigan City, IN (219) 762-6228 - Portage, IN    

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with MACU loans

Whether you’re looking to pay for college, make home improvements or consolidate debt, MACU offers several borrowing solutions to help you reach your financial goals.

Home Loans

With our preferred partner, CU Mortgage Service, MACU members have an advantage over other lending institutions. We'll guide you through the fast and easy mortgage or refinancing process step-by-step.

Click here to apply

Signature Loans

MACU Signature Loans are fixed-rate, fixed-term loans that are not secured by collateral. Also known as a good faith loan or character loan, this type of personal loan can be used for any purpose.

  • Loans available from $500 to $25,000
  • No collateral required
  • Flexible terms available from 12 to 60 months
  • One time disbursement for those special purchases
  • Apply online, in a branch or over the phone
  • Find out almost instantly if you’re approved
  • Visa debit or check by phone payment accepted at no extra cost
  • No penalty for early payoff

Click here to apply

Student Loans

Whether you’re an undergraduate, graduate student, or parent,
get money for school from Sallie Mae® Student loans from MACU in partnership with Sallie Mae® could help!

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

Find out which loan is right for you.


Student Loans

The MACU Smart Option Student Loan® by Sallie Mae® allows students to pay for college with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

  • Competitive fixed and variable interest rates
  • No origination fees and no prepayment penalty
  • Multiple in-school repayment options
  • Borrower benefit
  • Rates that reward creditworthy borrowers
  • 24/7 online account management

Click here to get started

Tax Relief Loan

The low-interest MACU Tax Relief Loan can help you pay your taxes without using a high-interest credit card. 

Tax Relief Loan Details: 

  • Maximum $1,000 loan
  • Maximum term of 12 months
  • Rates as low as 4.99% APR*
  • Loan proceeds must be payable to a taxing authority 
  • One loan at a time per member
Contact MACU today to find out more!

Click here to apply

*APR = Annual percentage rate.  Current APR is “ as low as” rate.  No everyone will receive the advertised rate.  All loans are subject to approval based on personal credit history. Rates and terms are subject to change without notice.


Car Loans

With MACU auto loan rates as low was 1.99% APR*, you can get that car or truck you’ve been dreaming about. Get pre-approved for your auto loan by applying for a vehicle loan below, calling us or by stopping in one of our locations.

  • Low interest rates
  • Quick, easy approval process
  • Online application
  • Flexible payment options, including Online Banking, Auto Transfer, and Direct Deposit
  • Value-added payment protection options
  • No pre-payment penalties

Click here to apply

RV, Motorcycle or Boat Loan

MACU is dedicated to help you get behind the wheel of your dream boat, RV or motorcycle. With our quick and easy online approval process, you’ll be living your dream in no time. Plus, with a MACU boat, RV or motorcycle loan, you’ll enjoy:

  • Low interest rates
  • Flexible payment options, including Online Banking and Automatic Transfers
  • Value-added payment protection options
  • No pre-payment penalties

Click here to apply

Home Equity Loans

With a MACU home equity loan, you can use the equity in your home and borrow just what you need. Having peace-of-mind that you can borrow the equity from your home at a great rate and a low monthly payment makes the MACU Home Equity Loan one of our most popular financial solutions.

  • Low, fixed rate and payment
  • Financing terms up to 15 years
  • No application fees*
  • No points or closing costs*
  • Up to 90% financing for qualified home owners

*On Home Equity Loan limits of $10,000 or more

Click here to apply


Are you looking for a way to fund your home renovations? With a MACU home equity line of credit (HELOC), we'll make it easy! With a MACU HELOC, you can borrow as much or as little as you need up to your pre-set limit. Other benefits of a MACU HELOC include:

  • Low monthly payments
  • Easy access to funds
  • Low variable rate
  • Flexibility in how you spend your money
  • Potentially tax-deductible interest payments
  • Convenient online banking
  • No closing costs*

Also, remember that you can use your HELOC for more than just home renovations! Many homeowners use it to enjoy well-deserved family vacations and to pay off credit cards, student loans and medical debt with a low interest rate.

*On new HELOC limits of $10,000 or more

Click here to apply

Pet Medical Expense Loan

He’s been your best friend since the day he came home, and he’s never let you down. Now he needs you. At MACU, we understand the stresses that can come from unexpected pet medical bills. That’s why we offer our MACU Pet Medical Expense Loan.

  • Borrow up to $10,000
  • Low-interest payment plans
  • No collateral required
  • Convenient monthly installments up to 60 months
  • No penalty for early payoff 

Click here to apply

Great Smiles Loan

With a MACU Great Smiles Loan, you can borrow up to $10,000 and pay it back in convenient monthly installments for up to 60 months. Get the orthodontic, cosmetic, or restorative procedure you need, and let your smile be the first thing people notice about you!

  • Low-interest payment plans
  • Fixed rates and terms
  • No collateral required
  • Flexible payment options, including Online Banking, Auto Transfer, and Direct Deposit
  • No penalty for early payoff

Click here to apply

Vacation Loan

Take the vacation you’ve been dreaming of with a MACU Vacation Loan. With a little help from your credit union, you can create magical memories without the stress.

  • Borrow up to $10,000
  • Low-interest payment plans
  • No collateral required
  • Convenient monthly installments up to 60 months
  • No penalty for early payoff

Click here to apply

Wedding Loan

Dresses. Flowers. Cakes. Tuxes. Photography. The list seems to go on forever. Stop stressing about how you’re going to pay for your dream wedding with a MACU Wedding Loan. Borrow up to $10,000 and pay it back in convenient monthly installments for up to 60 months.

  • Low-interest payment plans
  • Fixed rates and terms
  • No collateral required
  • No penalty for early payoff

Click here to apply

Electric Bike Loan

Looking for a great way to get around? Electric bikes enhance your pedaling power getting you where you need to be -- on time without breaking a sweat. With a MACU Electric Bike Loan, you can be riding in style in no time.

Click here to apply

Ready to apply? We’re ready to help.

Click here to apply

Payment Protection is an optional advantage that can be added to your MACU loan. It protects your credit and your family should the unexpected or unthinkable happen. With amazingly low premiums and great benefits, we recommend that you consider Credit Life and Disability for all your future MACU loans.

Want to learn more about MACU loans before applying?

Please be sure to include your name, email address, and phone number, along with your preferred contact method, and we will be in touch with you soon.

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Current MACU offers

Switch to Kasasa

Make the switch to financial freedom today! Experience the ease and rewards of our free Kasasa Checking account. Say goodbye to monthly fees and hello to a brighter financial future. Join us now and enjoy banking that works for you.

Call or stop by any branch to learn more!


ATM's and Branches Wherever You Go With College Banking


Are you ready to embark on your college journey? MACU is here to support you every step of the way with our exclusive College Banking and Shared Branching services.

Get Smart About Your Finances: As a college student, you need a banking partner that understands your unique needs. With MACU's College Banking, you'll enjoy no monthly service charges, convenient online and mobile banking access, and access to thousands of surcharge-free ATMs nationwide. It's time to take control of your financial future.

Connect Anywhere: Our Shared Branching network ensures that no matter where your studies take you, you'll have convenient access to your accounts. With over 5,000 shared branches nationwide, you can make deposits, withdrawals, and more, just as if you were at your local MACU branch.

Your Campus, Your Branch: Discover the freedom of banking wherever you go. MACU's College Banking and Shared Branching services provide the flexibility and convenience you need to manage your finances, so you can focus on what matters most: your education.

Join us today and experience the MACU difference. Contact us to learn more about our College Banking and Shared Branching services. Let us be your trusted financial companion throughout your college years and beyond.


Shared Branching

College Banking



Unlocking Financial Growth: The Benefits of a Certificate of Deposit (CD)


As a Members Advantage Credit Union (MACU) member, you can access various financial products designed to help you achieve your goals and secure your financial future. One product that deserves your attention is the Certificate of Deposit (CD). We will explore the numerous benefits of investing in a CD and how it can be a valuable addition to your financial strategy. So let's dive in and discover why having a CD is a smart move for our members. 


Guaranteed Returns: 

When you open a CD, you can enjoy peace of mind with guaranteed returns. Unlike other investment options, CDs offer a fixed interest rate that remains consistent throughout the term of your investment. Regardless of market fluctuations, your money is safe and will continue growing steadily.   

Frank, President of MACU: "A CD provides our members a secure and reliable way to grow their savings. With guaranteed returns, it's a valuable tool for achieving financial stability." 


Higher Interest Rates: 

Compared to traditional savings accounts, CDs often offer higher interest rates. This means that your money can grow faster, allowing you to maximize your savings. At MACU, we strive to provide our members with competitive rates, and our CD options are designed to help you make the most of your hard-earned money. 


Diverse Term Options: 

MACU offers a variety of CD terms to suit your financial goals and preferences. Whether you are looking for a short-term investment or a longer-term commitment, we have options that cater to your needs.  


Flexibility and Convenience: 

At MACU, we understand the importance of flexibility and convenience in managing your finances. Our CDs offer options such as automatic renewal, allowing you to roll over your investment when the term ends seamlessly. You can also opt for interest payments at regular intervals or let the interest compound, increasing your overall returns. 


NCUA Insurance: 

The National Credit Union Administration (NCUA) insures all MACU CDs up to the maximum amount allowed by law. This means that your investment is protected, providing an added layer of security for your financial future.


As a member of MACU, you have access to a powerful financial tool – the Certificate of Deposit (CD). By investing in a CD, you can enjoy guaranteed returns, higher interest rates, and the flexibility to tailor your investment to your needs. Take advantage of the diverse term options and the peace of mind with NCUA insurance. Start growing your savings with MACU today and unlock the benefits of a CD. 

Remember, as Frank, the President of MACU, emphasizes, "A CD is a valuable tool for our members to secure their financial future and achieve their goals. We are committed to providing products that support their financial growth." 

So, why wait? Please speak to our knowledgeable team or visit our website to explore our CD options and start your journey toward financial success. 


Disclaimer: This blog is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial advisor before making any investment decisions.