A Little Inside Help for the Holidays!
The holidays bring plenty to look forward to, but they can also bring extra expenses. Whether you’re traveling, shopping for gifts, hosting family, or covering something unexpected, MassMutual Federal Credit Union can help give your budget a little more breathing room.
With our Holiday Personal Loan Special*, eligible borrowers can access:
- Borrow up to $10,000
- 7.99% fixed APR*
- 60-Month Term
- No application fee
- Predictable monthly payments
*APR = Annual Percentage Rate. Promotional rate is available for terms up to 60 months. Maximum loan amount is $10,000. Applications must be received by January 31, 2027, and approved loans must be signed by February 28, 2027. Automatic payment and other rate discounts do not apply. Credit approval and income verification are required. Loan approval is based on individual creditworthiness and ability to repay. Offer subject to change or withdrawal at any time.
One Loan. Many Possibilities.
MMFCU Personal Loans can help you:
- Consolidate higher-interest debt
- Cover unexpected expenses
- Fund a major purchase or life event
- Take on a personal project with confidence
No matter your reason, we make borrowing feel manageable – not overwhelming.
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Types of Personal Loans
Personal Loans: receive a lump sum of money, unsecured (not backed by collateral), paid back in fixed monthly payments.
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* | 10.00% | $21.25 ($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. Personal Loans are limited up to $15,000.
Share Secured Loans
| 2.5 % above pledged share rate |
*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 Offer rate may be withdrawn at any time.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.
