Personal (signature) loan
TermAPR¹ as low as
1 – 36 months11.25% – 19.00%
Personal loans
Cover life's curveballs without high-interest debt.
A fixed-rate signature loan up to $20,000 from 11.25% APR — or borrow against your own savings or share certificate for even less.
Personal & secured
Two ways to borrow.
Lower rates, no annual fees, no gotchas.
Signature loan
No collateral required. Borrow up to $20,000 over 1 – 36 months at 11.25% – 19.00% APR.
Share-secured loan
Borrow against your savings at 3.00% over the certificate yield.
Certificate-secured loan
Borrow against a share certificate at 2.00% over its yield.
Consolidate higher-rate debt
Roll credit cards and store financing into one fixed payment.
Build credit while you borrow
Secured loans report like any other installment loan.
Decided in Lee's Summit
Underwritten by someone who'll learn your name.
Personal
Personal loan rates
Lower rates, no annual fees, no gotchas.
Line of credit
Also the overdraft protection LOC
APR¹ as low as
APR range13.00% – 23.00%
Share / certificate-secured
TypeAPR¹ as low as
Share secured3.00% over the certificate yield
Certificate secured2.00% over the certificate yield
Loan rates effective July 16, 2026. Signature loans are limited to a maximum of $20,000. APR = Annual Percentage Rate. LTV = Loan to Value. All rates are subject to credit approval, loan-to-value, and other underwriting factors. Interest rates are subject to change. Federally insured by NCUA. MCCU NMLS #477560.
Payment calculator
See your payment before you apply.
Adjust the amount, rate, and term — and watch your monthly payment update instantly. Tick the bonus reductions you qualify for and watch the rate come down.
$10,000
$1,000$20,000
$20,000 is the maximum personal loan amount.
11.25%
11.00%19.00%
Starts at the lowest published rate for 36 months (Personal (signature) loan), effective July 16, 2026.
Loan term3 yr
Member bonus reductions
Tick everything you qualify for — up to 1.00% off
−0.00%
Reductions come off your approved rate and stack to a maximum of 1.00%. None apply to rates below 4.00%. Not every reduction applies to every loan type, and all are subject to eligibility and credit approval — see the full schedule.
Estimated monthly payment
$329/ mo
at 11.25% APR
Total over life of loan
Principal
Interest
- Total interest
- $1,829
- Total cost (P&I)
- $11,829
- Loan amount
- $10,000
Estimate only. Excludes taxes, insurance, fees, and PMI. Actual rate depends on creditworthiness, term, and other factors.
*Estimate is for informational purposes only and assumes a fixed-rate loan. Actual rate and payment depend on creditworthiness and other factors.
Get up to 1% off your approved loan rate.
Do more with MCCU and pay less for your loan. Stack bonus reductions for your loan-to-value, an MCCU checking account with a debit card, direct deposit, and automatic payment.
Loans in 3 steps
You're three steps away from a better personal loan.
01
Apply
Apply online, in person, or over the phone in just minutes.
02
Send
Send in your documentation — we make this part painless.
03
Sign
Sign your final paperwork and start the next chapter.