Sometimes you need more money than what you have in your accounts. When that happens, you can count on MTC Federal! You can use our Personal Loan options to help you pay for anything: travel, electronics, trailers, storm shelters, weddings, furniture, farm equipment, unexpected expenses and more. A personal loan can also help you consolidate your debt to a single payment at a lower rate.
Personal Loans
Whether you need to borrow a little or a lot, we can help.
A custom loan from MTC Federal helps you cover expenses easily. Whether you need to borrow a little or a lot, we can help.
- Terms up to 60 months
- Low fixed rates
- Predictable payments
- Option to participate in our Skip-a-Pay program
Current Rates
Personal Custom Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Up to 60 Months | 10.45% |
A line of credit gives you the advantage of flexible borrowing. Apply once, receive approval for a certain amount, then use what you need when you need it and pay interest only on what you owe.
Custom Line of Credit
You can use a Custom Line of Credit for anything! This is a great option if you know you’ll need access to additional funds in the future but you don’t need a large amount all at once.
- Competitive variable rates
- Revolving line of credit
Overdraft Line of Credit
An Overdraft Line of Credit is used specifically to protect your checking account from accidentally becoming overdrawn. These funds cannot be used for any other purpose. Learn more about Overdraft Protection.
Current Rates
Personal Line of Credit
| Annual Percentage Rates (APR) vary, currently as low as 8.95% |
With a secured loan, you borrow money using something as collateral to guarantee that you’ll pay the loan back.
Share Secured Loan
A Share Secured Loan allows you to pledge your Dividend Share Savings Account as a guarantee of payment. This means you can borrow money against your savings without having to actually spend the money you’ve saved.
- Competitive variable rates
- Terms up to 24 months
- Option to participate in our Skip-a-Pay program
Current Rates
Personal Secured Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Share Secured (Variable Rate) | APR is 2% above deposited earnings. |
Apply to take advantage of your great rate:
Want to talk now? We’re just a phone call away: 864-908-3402
Monday-Friday 8am-5pm Local Time
©2024 MTC Federal Credit Union. All rights reserved. Federally insured by the NCUA. Equal Housing Lender. *Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply.