Personal Loans
Miami University and Community FCU offers a variety of Personal Loans, both Secured and Unsecured. All Personal Loans from MUCFCU offer zero payments for 90 days, competitive rates, and no early payment penalties.
Secured Personal Loans
A Savings or Certificate Secured Loan is our lowest rate Personal Loan, secured with funds in your MUCFCU account. A savings or certificate secured loan "freezes" the amount of funds in your account equal to the amount of your loan. Although you will not be able to withdraw these funds until your loan is repaid, you will continue to earn interest on these funds for the duration of your loan.
The interest rate (APR) on a Secured Loan is always 3 percentage points higher than the rate on the savings or certificate product itself aginst which the loan is secured. (For example, if you have a Certificate Secured Loan on a CD paying 1.30% interest, the interest rate on the Certificate Secured Loan will be 4.30% APR.)
- Lower rate of interest than unsecured loans
- Up to 7 year repayment
- Earn interest on the CD or savings account securing the loan
- Fast credit approval*
- Payroll deduction available
Apply for Your Secured Personal Loan Now
Signature Personal Loans
A Signature Loan may be the solution to your personal financial needs. You can use an MUCFCU Signature Loan for a variety of expenses, such as medical bills, vacations, weddings, school costs, or other purposes.
| Term |
APR As Low As* |
| 36 Months |
11.24% |
| 48 Months |
12.24% |
| 60 Months |
13.24% |
| If you see a more competitive rate elsewhere, call us! |
- Up to 5 year repayment
- Borrow up to $20,000, pending approval
- Reasonable rates
- Fast credit approval*
- Payroll deduction available
Apply for Your Signature Personal Loan Now
Bill Consolidation Signature Loans
Make life a little easier by consolidating your monthly bills into one payment. A Bill Consolidation Personal Loan allows you to pay off existing debts with one loan for up to $20,000. Over time, this saves you on interest, makes your bills less complicated, and reduces the risk to your credit caused by late payments.
| Term |
APR As Low As* |
| 36 Months |
11.74% |
| 48 Months |
12.74% |
| 60 Months |
13.74% |
| If you see a more competitive rate elsewhere, call us! |
- Up to 5 year repayment
- Borrow up to $20,000, pending approval
- Reasonable rates
- Fast credit approval*
- Payroll deduction available
Apply for Your Bill Consolidation Signature Loan Now
If you're a MUCFCU member, your loan can be processed 100% online -- you never have to set foot in the credit union!
Not yet a member? Click here to start the process of opening an account.
*Advertised rates current as of 4/24/2024. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply.
Personal Loans are subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Rates, terms, conditions and product components are subject to daily change without notice.
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