Want a clean slate? We offer a variety of products to help you consolidate your debt and create a new beginning. Talk to us about which option works best for your needs.
If you don’t have collateral to secure a personal loan, but you want one monthly payment with a single (lower) interest rate, this option may be a fit.
- No collateral required
- We service it in-house
- Easier to get, but rates are higher
Do you have funds in your Missoula Federal Credit Union savings share or certificate? Consider a Secured Loan. You can borrow up to 100% of the amount in your account. Don’t hesitate to reach out if you have questions.
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) is a line of credit with spending limits based on the value of your home. If you want access to funds while paying interest only on what you spend, a HELOC could be a good choice.
Home Equity Loan
Like a HELOC, a Home Equity Loan is based on the value of your home — but unlike a HELOC, it’s paid out in one lump sum at a fixed interest rate. This loan can be a useful consolidation tool if you know exactly how much you need to pay down your debt.
Free Financial Counseling
Learn how to build a better budget, navigate financial issues, and find solutions in times of stress. Welcome to the free member service that gives you the tools to take control.
My Loan — Ways to Pay
Yes. If you’re enrolled in Direct Deposit, you can authorize our credit union to deduct your loan payment right from your paycheck.
Yes, we call that a Periodic Payment. You can authorize our credit union to transfer your loan payment directly from your savings or checking account on a weekly, semi-monthly, or monthly basis — whatever works best for you.
Yes, you can make an online payment whenever it’s convenient for you — and if you download our mobile app, you can also make payments from your smartphone or tablet.
Yes, our Voice Response Teller is available 24 hours a day, so you can transfer your loan payment from any touch-tone phone. Just call 406-523-3311 or 1-800-254-1803.
Yes, we have night drop boxes at our branches for just this purpose. Your transaction will be processed on the next business day.
Yes, send your payments to:
Missoula Federal Credit Union
3600 Brooks Street
Missoula, MT 59801