Loans

Ask us about our Local Auto Dealer of the Month!

Receive a special rate with your next auto from one of our local Auto Dealers of the Month! When you purchase a vehicle from MCFCU’S designated Auto Dealer of the Month, you will receive ½% off your approved interest rate. For more information contact a member specialist today at 928-753-8000.

Dealer of the Month Annual Percentage Rates cannot work in conjunction with any other loan promotion or special offers.  All loans are subject to credit approval. Some restrictions may apply.  Advertised Annual Percentage Rate (APR) may change without notice.  Approval and rates are based upon credit history, type of product, debt to income, loan term and loan to value. Member NCUA. 

 Are You Ready for the Summer?

If you’ve been thinking about a new boat or personal watercraft, the first stop on your voyage should be at Mohave Community Federal Credit Union. Come in today or apply right here for a pre-approval on a new or pre-owned boat or personal watercraft loan. Whether you’re dreaming of gliding along with the wind in your sails, or off roaring across the lake with a skier in tow, contact US first. We’ll help make your fun affordable! You may apply online by clicking on “Applications” to the left of this page or come by the credit union, today!

Automatic payments – Available
Pre-approvals – Good for 30 days
Pre-payment penalties – None
GAP Plus  – Optional protection in case of a total loss or an un-recovered theft.

Loan is subject to approval. Please contact MCFCU at 928-753-8000 for the most up to date rates. Your APR may vary based on credit history and loan term. Additional terms and conditions may apply.

For the most current loan rates please contact Mohave Community Federal Credit Union at 928-753-8000.

Signature Loan
What is a Signature Loan? Also known as a “good faith loan” or a “character loan”, you may be eligible for this type of loan based on your credit qualifications. The only guarantee we need is your signature. With a Signature Loan from Mohave Community Federal Credit Union, emergencies, repairs, vacations, new appliances, tax payments, or almost anything in-between isn’t a problem. You may apply online by clicking on “Applications” to the left of this page or click HERE to apply now!

Share Secured Loan
A share secured loan is a loan that is secured or guaranteed by a member’s savings account. No credit or less-than perfect credit? Our share pledge uses your savings as collateral, and your certificate of shares is your collateral for a time note. Not only do you enjoy a low loan rate, you’re also building your credit. Contact MCFCU at 928-753-8000 ext. 202 or 216 and find out how today!

Automatic payments – Available
Pre-payment penalties – None

Quick Cash

Loan Application Fees: $25 for $250 – $500 Loan or $50 for $501 – $1000 Loan

This product is available with:   NO Credit Check   –   18% Annual Percentage Rate (APR)

Minimum Loan Amount $250.  – Maximum Loan Amount $1,000.

Eligibility Requirements:

Must be a current member for at least 1 year.

Must have Direct Deposit for at least 6 months.

Monthly Direct Deposit must be the value of the loan or greater.

Must be in good standing and cannot have caused a loss to the Credit Union either through nonpayment of a loan or an over drafted account.

Additional Requirements:

Must be 18 years of age or older.

Must have $50.00 in savings account and an open a checking account.

Only ONE (1) loan per member.

Must be employed ONE (1) year.

Sample Loan Amounts

250 x 3 months

500 x 4 months

750 x 5 months

1,000 x 6 months

Debt Protection with Life Plus

Life, Disability, Involuntary Unemployment.
Life can be wonderful. But it can also get complicated when unexpected things happen. Help protect your family against the unexpected. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. It’s easy to apply for MCFCU’s Debt Protection. It’s voluntary and won’t affect your loan approval.  Your purchase of MCFCU’s Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. For more information call us today at 928-753-8000. Certain eligibility requirements, conditions, and exclusions may apply.

Mechanical Repair Coverage

Guaranteed Asset Protection (GAP)

Talk to us today.
If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus with Deductible Assistance helps you get into your next vehicle by reducing your next loan at the credit union. Talk to us today about how we can help protect you from sudden out-of-pocket expenses.

Financial Wellness.
Your path to a brighter tomorrow.

Learn more about GreenPath
Call Today 1-877-337-3399
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Mohave Community Federal Credit Union has teamed up with GreenPath to bring you free debt counseling services. This is not a gimmick. And Yes, that is correct. We said: FREE debt counseling services. Still don’t believe it? Keep reading.

People Helping People. It’s the credit union philosophy. And it’s one of the main reasons Mohave Community Federal Credit Union has teamed up with GreenPath. Through comprehensive education and exceptional service, GreenPath has been assisting individuals for more than 50 years. GreenPath provides you with the education, resources and guidance to reach all of your goals.

Financial Counseling

• Free financial counseling – without a sales pitch!
• Understanding your personal credit report and how to improve your score
• Debt repayment
• Money management
• Student Loan Counseling
• Avoiding bankruptcy, foreclosure and repossession

Free Online Classes

GreenPath advisors are professional, compassionate and committed to helping others. They provide personalized and confidential financial counseling with customized action plans, FREE, at no charge to our members. No appointment is necessary; call 1-877-337-3399 today with questions or concerns about your finances.