Borrow from us...Personal
Learn about our personal loan options by clicking on one of the links below.
Home Heating Expense Loan Program (HHELP)
Personal Loans
Personal Line of Credit
Share Secured Loans
Overdraft Line of Credit
Vacation Loans
Home Heating Expense Loan Program (HHELP)
Need HHELP this winter to heat your home? Our low-rate heating assistance loan can help you to cover the costs of heating your home this year.
We understand that everyone needs a little help sometimes, and with the increased costs of fuel it may be difficult to heat your home. That's why we've created a loan program to help you keep warm this winter. Our rate is low (5.99% APR*) and you have up to three years to repay us.
Think this loan might be for you? Give us a call at 1(800)940-9466 or send us an email at lending@massmutualfcu.org and we can help you decide if this loan is the right fit for you. Ready to apply? Stop by to apply or complete our online application today.
*APR = Annual Percentage Rate. Term is up to three years; maximum is $3,000. Cost per thousand for a 36-month term is $30.42. Check must be made payable to your heating provider unless evidence is provided that the bill has already been paid within 30 days of payment.
Personal Loans
Looking to replace your home furnishings, buy a home entertainment system, or purchase other items? If you don't want to pay for them with our Platinum Visa Credit Card, consider taking a personal loan. We have competitive rates, and you can select the term that meets your needs (up to five years).
Stop by to apply, give us a call at 1(800)940-9466, send us an email at lending@massmutualfcu.org, or complete our online application today.
Personal Line of Credit
Do you need quick access to extra cash? Consider our Personal Line of Credit (PLOC) - it's like a credit card without the plastic. Once your credit limit has been approved and established you can draw on it at any time. You can transfer funds from your PLOC into your checking or savings account at any time, and you can access your PLOC through CUOnline Banking, Call 24, or by visiting one of our offices. There is no cost to apply and establish a PLOC, and it's always good to have back-up cash available in case of an emergency.
Apply online today, or stop by one of our offices for an application. Have questions? Give us a call at 1(800)940-9466 or send us an email at lending@massmutualfcu.org.
Share Secured Loans
If you need quick money but you don't want to use your savings, a share secured loan may be for you. A share secured loan is secured by your savings (share) account or a share certificate. You can quickly access this loan because there is no requirement of verification or income or credit review. The maximum loan amount is the available balance in your account.
Share secured loan rate: 2.5% above the pledged share rate
Want to learn more? Give us a call at 1(800)940-9466 or send us an email at lending@massmutualfcu.org. An application is not necessary for our share secured loans.
Overdraft Line of Credit
Overdraft Line of Credit acts as a safety net from insufficient funds and service charges if you overdraw your checking account. You can apply for a line of credit from $300 to $2,000, which will be activated if you write a check, use your ATM/Visa Check Card, or pay a bill using our Online Bill Payment for more than the available amount in your checking account.
Apply online or stop by today. Have questions? Contact us at 1(800)940-9466 or send us an email at lending@massmutualfcu.org.
Vacation Loans
Thinking about taking a trip to Europe? A winter vacation to somewhere warm and tropical? Maybe you don't have the extra cash to pay for your trip, and you don't want to put it on your high interest credit cards. Consider our Vacation Loans to help you pay for your trip.
Our rates are low (starting as low as 9.75% APR*) and you pick the term that fits your needs, up to five years. Plus, we make it easy to apply - either stop by one of our offices or apply online. Have questions? Contact us at 1(800)940-9466 or send us an email at lending@massmutualfcu.org.
*APR=Annual Percentage Rate. The annual percentage rate listed above is our best rate. Your rate may be higher depending on credit worthiness. Please add 0.25% to the above rate if loan is not to be automatically paid through payroll deduction or transfer from a MMFCU account.
