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New & Used Auto Loans

Get a great auto loan rate starting as low as 4.51%** APR* for up to 72 months on 2018 – 2026 autos.

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*APR = Annual Percentage Rate. **Rate listed above includes the Member Service Rewards discount for having 4+ services and the discount for adding debt protection/GAP and Mechanical Repair Coverage to your loan. Max. mileage is 150,000 miles. Certain terms and conditions apply.

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We Make Tax Time Easy!

MLFCU makes paying taxes easy and affordable. Borrow up to $10,000 for as low as 6.25% APR*

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*APR = Annual Percentage Rate. Certain terms and conditions apply. Not all borrowers will qualify for the lowest rate. Funds must be payable to Tax collector, State or Federal.

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Watch Your Wealth Grow

Share Certificates

3.75% APY* on a 6 month term

3.50% APY* on a 12 month term

or 3.25% APY* on a 24 month term

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*APY=Annual Percentage Yield. Minimum $500 Deposit. APY’s subject to change without notice. An early withdrawal penalty may apply. Federally Insured by ncua.

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LIFE IS SWEETER WITH DAFFINS!

Candy Bars Have Arrived

Get them while they last! Visit your local branch to buy yours today! $2.00 each. Proceeds will benefit the 2026 MLFCU Scholarship Fund.

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*APR = Annual Percentage Rate. Certain terms and conditions apply.

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Save Money with a Debt Consolidation Loan

Consolidate your debt and save money!

Consolidate up to $15,000 of high-interest debt for as low as 5.95% APR* for up to 36 months

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*APR = Annual Percentage Rate. Certain terms and conditions apply. Funds must be payable to lenders.

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Holiday Debt Consolidation Loans

Holiday Debt have you feeling upside down?

Consolidate up to $15,000 of high-interest debt for as low as 5.75% APR*

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*APR = Annual Percentage Rate. Certain terms and conditions apply.

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GET READY FOR SNOW

Snow Blower or Snow Plow loan rates start as low as 6.75% APR* for up to 60 months.

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*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply. Other rates and terms are available.

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Drive4Less Auto Lending Program

Dramatically lower your monthly auto payment through our Drive4Less Auto Lending Program. Ask us about it today!

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*APR = Annual Percentage Rate.

Certain terms and conditions apply.

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Love your home even more.

Create your dream home with a MLFCU Home Improvement loan. Borrow up to $15,000 with rates starting as low as 5.25% APR*.

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*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply. Funds must be payable to contractors or supply an estimate to verify work.

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Send your application and resume to:
member.services@mlfcu.net

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Holiday Loans

This year, don’t let Santa get all the credit!

Borrow up to $ 5,000 for as low as 5.99% APR* for 24 months

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*APR = Annual Percentage Rate. Certain terms and conditions apply. Rate based on credit score and debt to income ratio. Not all will qualify for lowest rate.

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Home Equity Loan Special

Get the most out of your Home Equity. Rates as low as 4.625% APR*. Hurry! This is a limited time offer.

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*APR = Annual Percentage Rate. Rate shown includes the Member service rewards discount for having 4+ qualifying services with the cu and a 0.125% discount for adding debt protection. Min. new money is $15,000. Certain terms and conditions apply.

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Back to School

Loan Special

Pack your backpack with $aving$! Borrow up to $10,000 for as low as 5.99% APR*

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*APR = Annual Percentage Rate.

Certain terms and conditions apply.

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Ready to Get Away?

Let MLFCU help you with your summer plans!

New Camper and Boat loans starting at 5.365% APR* for up to 60 months

Used Camper and Boat loans starting at 5.665% APR* for up to 60 months

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*APR = Annual Percentage Rate. Other rates and terms are available. Rates quoted above include a 0.50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding GAP and/or Debt protection to the loan. Not all applicants will qualify for lowest rate.

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Side by Side/UTV Loans

Hit the trails with a loan from MLFCU because you’re never to old to play in the mud!

New Rates as low as 5.365% APR* for up to 48 months

Used Rates as low as 6.365% APR* for up to 48 months

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*APR = Annual Percentage Rate. Other rates and terms are available. Rates quoted above include a 0.50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding GAP and/or Debt protection to the loan. Not all applicants will qualify for lowest rate.

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*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply.

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Back to School

Loan Special

Pack your backpack with $aving$! Borrow up to $10,000 for as low as 5.99% APR*

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*APR = Annual Percentage Rate.

Certain terms and conditions apply.

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A VACATION LOAN FOR WHATEVER FLOATS YOUR BOAT

Borrow up to $10,000 for as low as 5.99% APR*

*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply.

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Discover the value in your home!

NO FEE Home Equity Loan!

Rates as low as:

5.25% APR* for up to 60 months

5.75% APR* for up to 120 months

6.25% APR* for up to 180 months

*APR = Annual Percentage Rate. Rates and terms are subject to change. Rates are for 1st lien only. Min. new loan money is $15,000. Contact the CU for details and application. NMLS# 422133

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A Vacation Loan for whatever floats your boat

Borrow up to $10,000 for as low as 5.99% APR*

*APR = Annual Percentage Rate. Certain terms and conditions apply.

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Holiday Debt Consolidation Loans

Holiday Debt have you feeling upside down?

Consolidate up to $15,000 of high-interest debt for as low as 5.75% APR*

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*APR = Annual Percentage Rate. Certain terms and conditions apply.

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Spring cleaning is easy with eStatements.

*More Convenience *Less Paper *Added Security

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SECURE. CONVENIENT. FREE

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Sign up for e-Statements during the month of October to be entered to win a $100 VISA Gift Card

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ATV/Snowmobile Loans

Hit the trails with a loan from MLFCU because you’re never to old to play in the snow!

New Rates as low as 5.25% APR* for up to 36 months

Used Rates as low as 5.50% APR* for up to 36 months

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*APR = Annual Percentage Rate. Certain terms and conditions apply.

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Dreaming of that beautiful lawn?

Lawn Mower and Tractor Loans

Borrow up to $10,000 for as low as 5.25% APR*

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*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply. Other rates and terms are available.

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Watch your savings GROW

Spring into action with our Share Certificate Rates

3.00% APY* 6 months

3.25% APY* 12 months

3.50% APY* 24 months

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*Annual Percentage Yield. APY is accurate as of 04/01/2023 and is subject to change. The minimum investment required is $500. Early withdrawal penalties apply. Federally insured by the NCUA up to $250,000.

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Debt Consolidation Loans

Save money with a debt consolidation loan

Consolidate up to $15,000 of high-interest debt for as low as 6.75% APR*

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*APR = Annual Percentage Rate. Certain terms and conditions apply. Checks must be payable to creditors.

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Get the money you need for school

Whether you’re an undergrad, grad student,
or a parent, we have loans to meet your needs.

Competitive interest rates
Multiple repayment options
No origination fee or prepayment penalty

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Holiday Debt Consolidation Loans

Holiday Debt have you feeling upside down?

Consolidate up to $15,000 of high-interest debt for as low as 5.75% APR*

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*APR = Annual Percentage Rate. Certain terms and conditions apply.

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Holiday Debt Consolidation Loans

Holiday Debt have you feeling upside down?

Consolidate up to $15,000 of high-interest debt for as low as 5.75% APR*

*APR = Annual Percentage Rate. Certain terms and conditions apply.

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2026 HOLIDAY CLOSURES

Good Friday (Close at Noon) – April 3

Memorial Day – May 25

Labor Day – September 7

Columbus Day (Staff Training) – October 12

Veterans Day – November 11

Thanksgiving – November 26

Christmas Eve (Close at Noon) – December 24

Christmas – December 25

New Years Eve (Close at Noon) – December 31

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Access your account 24-7 with phone banking, online banking or our mobile app!

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View All Rates

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Apply Now

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Apply for a Loan

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Account Services

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