Loan Rates

Save more when you finance with us.

Our low personal loan rates are designed to save you more

At MECU, we hold the line on personal loan rates so you'll pay less in interest charges and have more money to deal with life's ups and downs. Even our affordable auto loan interest rates free up extra cash to pay for gas, tolls and accessories so you can ride in style.

Effective Date: May 13, 2026
Repayment Terms
Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
Personal Loan
Up to 36 Months
($500-$30,000*)		 10.24% $32.38
37 - 48 Months
($2,500-$30,000*)		 10.99% $25.84
49 - 60 Months
($5,000-$30,000*)		 11.49% $21.99
Personal Line of Credit
Draws up to credit limit permitted for as long as the account remains in good standing. 12.74% $33.57
Share / CD
Share / CD rate +3.50% Up to 36 Months
(loan term cannot exceed the CD maturity date)		 $29.39
(based on a 3.70% APR)

1 APR = Annual Percentage Rate. Your actual rate may be higher depending on credit history and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility.

2 Monthly payment is per $1,000 borrowed at the maximum stated repayment term. 

*Aggregate unsecured limit is $30,000 for all MECU unsecured loans/lines and Visa credit cards.

Risk-Based Pricing Notice

Effective Date: May 13, 2026
Repayment Terms
Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
With Direct Payment Discount1
12 - 48 Months 4.74% $22.91
49 - 60 Months 4.99% $18.87
61 - 72 Months 5.24% $16.22
73 - 84 Months 5.99% $14.60

1 APR = Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The auto loan rates listed above reflect our lowest available rate with a 0.25% rate discount for direct payment; your actual rate may be higher depending on down payment, collateral, amount financed, repayment term, model year, mileage, credit history, and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility, and verification of collateral.

2 Monthly payment is per each $1,000 borrowed at the maximum stated repayment term. A shorter term will result in a higher payment amount. 

Risk-Based Pricing Notice

Effective Date: May 13, 2026
Repayment Terms
Fixed APR1
(as low as
Monthly Payment2
(per $1,000 borrowed)
With Direct Payment Discount1
12 - 48 Months 4.99% $23.02
49 - 60 Months 5.24% $18.98
61 - 72 Months 5.49% $16.33
73 - 84 Months 6.24% $14.72

1 APR = Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The auto loan rates listed above reflect our lowest available rate with a 0.25% rate discount for direct payment; your actual rate may be higher depending on down payment, collateral, amount financed, repayment term, model year, mileage, credit history, and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility, and verification of collateral.

2 Monthly payment is per each $1,000 borrowed at the maximum stated repayment term. A shorter term will result in a higher payment amount. 

Risk-Based Pricing Notice

Effective Date: May 13, 2026
Repayment Terms
Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
With Direct Payment Discount1
12 - 36 Months 6.24% $30.53
37 - 48 Months 6.49% $23.71
49 - 60 Months 7.24% $19.91
61 - 84 Months 8.24% $15.71

1 APR - Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The motorcycle loan rates listed above reflect our lowest available rate with a 0.25% rate discount for direct payment; your actual rate may be higher depending on down payment, collateral, amount financed, repayment term, model year, mileage, credit history, and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility, and verification of collateral. 

2 Monthly payment is per each $1,000 borrowed at the maximum stated repayment term. A shorter term will result in a higher payment amount.

Risk-Based Pricing Notice

Effective Date: May 13, 2026
Repayment Terms
Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
With Direct Payment Discount<sup>1</sup>
12 - 36 Months 6.74% $30.76
37 - 48 Months 6.99% $23.94
49 - 60 Months 7.74% $20.15
61 - 84 Months 8.74% $15.96

1 APR - Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The loan rates listed above are our lowest available rates for each repayment tier and include a rate discount of 0.25% with direct payment. Refinance rates available only on loans refinanced from another lender. Your actual rate may be higher depending on down payment, collateral, amount financed, repayment term, credit history and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility, and verification of collateral. 

2 Monthly payment is per each $1,000 borrowed at the maximum stated repayment term.

Risk-Based Pricing Notice

15% Down Payment Required

Effective Date: May 13, 2026
Repayment Terms
Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
New
Up to 180 Months 7.49% $9.26
Used
Up to 180 Months 8.49% $9.84

1 APR - Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The RV and boat loan rates listed above is our lowest available rate for each repayment tier and includes a rate discount of 0.25% with direct payment. Refinance rates available only on loans refinanced from another lender. Your actual rate may be higher depending on down payment, collateral, amount financed, repayment term, credit history and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility, and verification of collateral. 

2 Monthly payment is per each $1,000 borrowed at the maximum stated repayment term.

Risk-Based Pricing Notice

Take advantage of a MECU personal loan.