Mortgages
We can get your mortgage approved in minutes. Pre-qualification and a variety of loan options are only a click away! Click here to begin!

Or, for questions on Conventional, FHA and/or VA mortgage loans, please call one of our mortgage experts today at 1-218-625-8580 or 1-800-296-8871, extension 1000.

FHA
FHA offers low down payment options, eligibility with less than perfect credit, low closing costs and very competitive fixed interest rates. The buyer/homeowner must occupy the subject property as their primary residence. FHA loans are not just for first time homebuyers and can be used to purchase a new home or refinance your existing home.

VA
VA home loans do not require a down payment or mortgage insurance. Upon eligibility, VA home loans can be used by veterans and by men and women currently in the military. VA does not borrow the funds to buy or refinance your home; rather, they insure the loan that is funded by your Lender. VA loans can be used to purchase or refinance your primary residence, and they have low closing costs and excellent fixed interest rates.

Construction and Raw Land
Loan Construction Process
Document Checklist

Home Improvement
Turn your existing home into your dream home with the help of a Home Improvement Loan! Available up to $50,000.

Home Equity
Your investment in your home can be an excellent source of funding for debt consolidation, home improvements or emergency cash. Our home equity loans offer low rates and convenient terms. Rates

Business

Personal
When you need extra cash for special opportunities or emergencies, we can help you with a variety of financing options. Visit any of our locations to find out what is best for you. For your convenience, you can fill out this loan application and bring it in with you.

Fast Funds Line of Credit For additional peace of mind, consider a Fast Funds Line of Credit up to $2,000. Use Fast Funds in $100 increments. Payments are automatically deducted from your checking account on the 28th of each month.  There is no interest charge when your balance is paid in full each month. Rates

Vehicle
When it is time to finance your new or used automobile, let our lending team get you behind the wheel.
Rates and terms
Calculator

You may also want to check out the used vehicles for sale in our Repo Lot.

Motorcycle/Recreation
We offer financing for motorcycles, motor homes, trailers, boats, ATVs, snowmobiles and all other recreational vehicles.
Rates and terms

Private Student Loans
MCCU's student loan program features competitive rates and promotes financial literacy and good financial habits for students by featuring in-school payments that help prepare students for making regular payments after graduation, lower rates for students with good grades, ongoing information provided to students during school regarding what their  payments will be after graduation, and personal meetings with students after graduation to talk about loans and finances.

Click here for more information and to apply.