Save more
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 insurance and 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 insurance and 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

HELOC

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

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.

Online Application Coming Soon

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

Online Application Coming Soon

Credit Life and Disability insurance, also known as 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

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. 

HELOC

Put your home to work for you with a low-interest Home Equity Line of Credit.

ID Protect

IDProtect provides the following protections for you and your joint account holders, all for only $2.00 a month.

Low Rates

Auto Loan
Rates as low as 1.99% APR*
Home Equity Line of Credit
Rates as low as 1.99% APR for one year or 2.99% APR for two years***
Advantage Loans
Rates beginning as low as 6.00% APR*
6 Mo. Certificate
0.010% A.P.Y.
8 Mo. Certificate
0.010% A.P.Y.
12 Mo. Certificate
0.100% A.P.Y.
18 Mo. Certificate
0.100% A.P.Y.
24 Mo. Certificate
0.150% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.300% A.P.Y. | $50,000+ - 0.350% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.100% A.P.Y. | $10,000 - $24,999 - 0.120% A.P.Y. | $25,000 - $49,999 - 0.150% A.P.Y. | $50,000+ - 0.150% A.P.Y.
Visa Platinum
Rates beginning as low as 8.50% A.P.R.*** and 1.99% A.P.R. on all balance transfers!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.75% A.P.R.*