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Personal Loans

For whatever life brings

Consolidate debt, pay for unexpected expenses, and more, with great rates and predictable monthly payments.


Fixed rates

Your rate won't change over the life of the loan.


Flexible terms

Terms up to 72 months for payments that work for you.1


Signature loan

Get a loan based on your credit standing — no collateral required.


Flexible loan limits

Loan amounts up to $35,000.


Loan protection

Protect yourself from the unexpected with our loan protection services.2


Rate discounts

Get a .25% rate decrease with automatic payments from a Members account.3

Today's rates

View more rates

36 months

As low as % APR4

Calculate your monthly payment5

Monthly Payment

A Multi-Purpose Solution

For whatever you need

Consolidate debt, pay medical expenses, buy a vehicle, or take a vacation. Rest easy knowing you have it covered.

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Consolidate Debt

One monthly payment

Use your funds to consolidate debts into one affordable fixed rate monthly payment.

Adult woman hugging her grandmother

Best place to bank at. The staff is super nice and actually helped save us money.

— Google Review

How it works

It's easy to get a personal loan.

  • 1

    Complete an application

    Fill out an application online or visit us at a branch.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Use the funds

    We'll send you the funds to use how you want.

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8800

Your life, your loan


Use your funds however you want, with flexible, affordable personal loan financing.


Apply now


1 Example terms of repayment: 72-month loan at 12.49% APR would result in monthly payments at $19.81 per $1,000 borrowed.
2 Debt protection is provided by Allied Solutions LLC and is subject to their eligibility requirements, terms and conditions.
3 Rates listed are the lowest possible rates and require automatic payments (without auto pay the APR will be 0.25% higher).
4 APR is the Annual Percentage Rate. The stated APR is effective as of July 12, 2024. Rates listed are the lowest possible rates and require automatic payments (without auto pay the APR will be 0.25% higher). Rates may be higher based on a number of factors such as credit history, term length, etc. Rates, terms and conditions may change at any time.
5 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a checking account. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership and loan approval required.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking