Personal loan options and rates.

At MFCU, we offer different personal lending products for different needs.

Unsecured Personal Loan – This loan requires no collateral, meaning a house or car. That’s why it is call unsecured. The rates are higher than a secured loan, but the process to get an unsecured loan is typically easier and the loan management remains in-house at MFCU.

Unsecured Solar Loan – Thinking about adding solar to your home? Missoula Federal Credit Union has a loan product to help make it a reality.

Overdraft Protection Loan – Intended to protect a member from bouncing checks and incurring NSF fees. This is an unsecured loan, based on the member’s creditworthiness and ability to repay the loan. Funds are only dispersed to the draft account as needed.

MFCU Visa – Keeping your credit card local is a great way to keep tabs on your spending activity. The MFCU Visa has a competitively low interest rate. We don’t tease with promotional rates or require cardholders to pay an annual fee.  Local service is also a plus if you encounter a problem with your card. For more on the MFCU Visa, click here.

Payday Alternative Loan (PAL) – These small loans are available in amounts of $100-500 and serve as a smart alternative to predatory lending practices of payday lenders. No credit check required, however some membership and income minimums must be met.

Share Secured and Certificate Secured Loans – These loans are secured by the funds in the member’s share or certificate account at MFCU. A member may borrow up to 100% of the amount on deposit in their share or certificate account.

For more information about what type of personal loan is right for you at this stage of your life, please don’t hesitate to contact us.

View Personal Loan Rates

Loan Type APR as low as1
VISA Credit Card 7.90%
Unsecured 8.00%
Overdraft Line of Protection 12.00%
Payday Alternative Loan 28.00%
Certificate Secured 2.00% above certificate rate
Share Secured 3.00% above share rate

Unsecured Solar Loan Rates

Loan Type 60 Months – APR as low as1 120 Months – APR as low as1
Unsecured Solar Loan 5.50% 6.00%

1 APR = Annual Percentage Rate
2All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.