One Payment. One Loan. A clear path forward with our Debt Consolidation Personal Loan
If consolidating your debt is on your list for 2026, now is the time to take the next step. MMFCU’s limited-time Debt Consolidation Personal Loan roll all of your balances into on fixed monthly payment, making your finances easier to manage from the start of the year.
With a clear term and a predictably monthly payment, this loan helps you move forward without the stress of multiple balances or due dates. The application process is straightforward and support is always available if you have questions along the way.
Types of Personal Loans
Debt Consolidation Personal Loan: Roll high-interest balances into on fixed monthly payment at 8.99% APR for up to 36 months.
Personal Loans: receive a lump sum of money, unsecured (not backed by collateral), paid back in fixed monthly payments
Personal Line of Credit: borrow what you need and only pay interest on what you use, variable rates, best for ongoing needs. Learn more
Share Secured Loans: backed by collateral, good option for those with lower credit scores. Learn more
Overdraft Line of Credit: helps you avoid fees, ensures checks don’t bounce and debit cards won’t be denied. Learn more
Rates
Personal Loans
| Term | APR as low as* | Payment per $1000 borrowed |
|---|---|---|
| Up to 5 years* | 9.75% | $21.14 ($5,000 loan for five years.) |
*Rate displayed is our best rate and assumes automatic payment from your MMFCU account. If you elect to manually pay your personal loan, please add 0.25% to the displayed rate. Your rate may be different based upon your personal credit history.
Share Secured Loans
| 2.5 % above pledged share rate |
Personal Line of Credit
| Term | Current APR | Payment per $1000 borrowed |
|---|---|---|
| No fixed term | as low as 9.00% | Variable - Payment is 3% of your balance |
*Rate displayed is our best rate and assumes automatic payment from your MMFCU account. If you elect to manually pay your PLOC, please add 1% to the displayed rate. Your rate may be different based upon your personal credit history. There are no fees to use your PLOC. Late fees may be imposed if you do not make at least one payment each calendar month. Rate displayed assumes automatic payment from your MMFCU account.
*APY = Annual Percentage Yield. $5 minimum deposit to open. $25 minimum deposit to earn stated dividend rate/yield for savings. $100 minimum deposit to open, $2,000 to earn stated dividend rate/yield for Money Market. Rates are subject to change at any time and may change after account opening. Offer rate may be withdrawn at any time. Fees or penalties (if any) could reduce earnings.
* Rate is fixed once set.
