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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.

Auto 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

Online Application Coming Soon

RV, Boat & Motorcycle Loans

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

Online Application Coming Soon

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

Online Application Coming Soon


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

Online Application Coming Soon

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
  • Convenitent monthly installments up to 60 months
  • No penalty for early payoff 

Online Application Coming Soon

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

Online Application Coming Soon

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!

Online Application Coming Soon

*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.


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.

Ready to apply? We’re ready to help.

Online Application Coming Soon!

Current MACU offers

Makeover CD

MACU's high-yield CD will plump up your piggy bank with a 2.22% APY! 

Tax Relief Loan

A low-interest $1,000 MACU tax relief loan can ease your tax burden and keep you from paying tax bills with high-interest credit cards, and you have 12 months to pay it off! 

Auto Loan

Adventure awaits with a MACU auto loan with rates as low as 1.99%*! Start your next adventure with that new car or truck you've been dreaming about. 

Great Rates

Auto Loan
Rates as low as 1.99% APR*
Home Equity Line of Credit
Rates as low as 3.99% APR for 24 months***
Advantage Loans
Rates beginning as low as 6.50% APR*
6 Mo. Certificate
1.258% A.P.Y.
12 Mo. Certificate
1.765% A.P.Y.
18 Mo. Certificate
1.867% A.P.Y.
24 Mo. Certificate
2.122% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.864% A.P.Y. | $50,000+ - 0.914% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.592% A.P.Y. | $10,000 - $24,999 - 0.612% A.P.Y. | $25,000 - $49,999 - 0.642% A.P.Y. | $50,000+ - 0.642% A.P.Y.
Visa Platinum
Rates beginning as low as 10.50% A.P.R.*** and 1.99% A.P.R. on all balance transfers!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.99% A.P.R.*