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  • Effective as of April 14, 2019
  • For more information please contact us
  • APR = Annual Percentage Rate

Loan requests are usually answered within 24 hours of submitting your completed application.

We offer zero down for qualified members with medium to high credit quality ratings on most loan types.

 

 

Auto Loans

Loan Type Suggested Term Base Interest Rate* Terms and Conditions
   

 

New or Used 
Under $10,000 : 48 months 3.49%    2012 or newer   
$15,000 : 60 months 3.59%
 $20,000 : 72 months  3.99%
 $25,000 : 84 months  3.99%

 

Older Vehicles(8 - 10 years old)
 
 Year 2011: 36 months  3.99%   Vehicle inspection required 
Year 2010: 24 months 4.95%
Year 2009: 24 months 4.95%
Classic Car  Up to 60 months 5.25%  Minimum 20% down payment required 
72-144 months 7.50%

 

Everyday Loans

Loan Type Base Interest Rate* Usual Down Payment Terms and Conditions
Airplanes, Boats, Motorhomes and Travel Trailers 4.50%  10 % Minimum  Call MVFCU for terms and conditions
Motorcycles, ATVs, Jet Skis, & Snow machines 3.50% 0%  Call MVFCU for terms and conditions 
Horse Trailers, Utility Trailers, Lawn Tractors, & Riding Lawnmowers 3.50% 0%  Call MVFCU for terms and conditions 
Signature Loan (unsecured)Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000. 10.45% n/a  Maximum unsecured loan amount may be up to 200% of gross monthly income
not to exceed $20,000. 
Line of Credit (unsecured) 11.90% Variable n/a  Maximum unsecured loan amount may be up to 200% of gross monthly income
not to exceed $20,000. 
Credit Builder Not available on Money Market (20) account. Dividend Rate + 2.00% n/a  Not available on Money Market (20) account. 
VISA Secured Credit Card 14.25% n/a  See More Information.** 
VISA Classic Credit Card Variable 9.25% - 12.25% n/a  See More Information.*** 


*The Base Interest Rate: is the lowest interest rate available at MVFCU. Your actual interest rate may be higher depending on your credit history. Each loan request is considered on an individual basis.

**VISA Secured More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +9%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due. An Annual Fee of $20 will be billed during the card's anniversary month.

***VISA Classic More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +4%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due.