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Personal Loans

Miami University Community FCU mortgage loans offer:

  • Zero payments for 90 days
  • Competitive rates
  • Fast credit approval
  • No loan application fee
  • Absolutely no prepayment penalties
  • Ask about our Immediate Loan Decisioning
  Secured Personal Loans Signature Personal Loans Bill Consolidation Loans
Purpose and Benefits Our lowest rate personal loan, secured against funds you already have deposited. The funds remain frozen but continue to earn interest during the loan. Good for all types of personal expenses. An unsecured loan backed by your good credit. Useful for a variety of personal expenses such as medical, education, weddings, etc. An unsecured loan especially designed to help you consolidate all your bills into a single monthly payment.
Interest Rates 3 percentage points higher than the savings/certificate product against which the loan amount is borrowed. Based on credit rating, length of loan, and special discounts. Based on credit rating, length of loan, and special discounts.
Maximum Available to Borrow Based on amount of funds you have deposited into the credit union. Up to $5,000, pending approval Up to $5,000, pending approval
Maximum Time of Repayment Up to 7 years Up to 5 years Up to 5 years

Call Loan Officer Kate Bystrom at (513) 529-5057 for more information, or click here to apply for your loan now.


Secured Personal Loans

A savings or certificate secured loan is a loan secured with funds in your MUCFCU account. A savings or certificate secured loan "freezes" the amount of funds in your account equal to the amount of your loan. Although you will not be able to withdraw these funds until your loan is repaid, you will continue to earn interest on these funds for the duration of your loan.

  • Lower rate of interest than unsecured loans
  • Earn interest on the CD or savings account securing the loan
  • Fast credit approval
  • Absolutely no prepayment penalties
  • Payroll deduction available
  • Zero payments for 90 days
  • Ask about our Immediate Loan Decisioning

The interest rate on a savings or certificate secured loan is always 3 percentage points higher than the rate on the savings or certificate product itself (for example, if you have a certificate secured loan on a CD paying 5.30% interest, the interest rate on the certificate secured loan will be 8.30%).

Apply for Secured Personal Loan Back to top

Certain credit restrictions apply. Subject to a Loan Processing fee of $65.00 for secured loans, $40.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Rates, terms, conditions and product components are subject to daily change without notice.

Signature Personal Loans

A Signature Loan may be the solution to your personal financial needs. You can use an MUCFCU Signature Loan for a variety of expenses, such as medical bills, vacations, weddings, school costs, or other purposes.

  • Up to a five year repayment
  • Borrow up to $5,000 for all of your financial needs
  • Reasonable rates
  • Fast credit approval
  • Absolutely no prepayment penalties
  • Payroll deduction available
  • Zero payments for 90 days
  • Ask about our Immediate Loan Decisioning

Apply for Signature Personal Loan Back to top

Certain credit restrictions apply. Subject to a Loan Processing fee of $65.00 for secured loans, $40.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Rates, terms, conditions and product components are subject to daily change without notice.

Bill Consolidation Loans

Make life a little easier by consolidating your monthly bills into one payment. A Bill Consolidation Loan allows you to pay off existing debts with one loan for up to $5,000. Over time, this saves you on interest, makes your bills less complicated, and reduces the risk to your credit caused by late payments.

  • Up to a five year repayment
  • Borrow up to $5,000
  • Reasonable Rates
  • Fast credit approval
  • Absolutely no prepayment penalties
  • Payroll deduction available
  • Zero payments for 90 days
  • Ask about our Immediate Loan Decisioning

Apply for Bill Consolidation Loan Back to top

Certain credit restrictions apply. Subject to a Loan Processing fee of $65.00 for secured loans, $40.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Rates, terms, conditions and product components are subject to daily change without notice.

Kate Bystrom

Loan Officer

Phone: (513) 529-5057

 

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Your savings are federal insured to at least $250,000 and backed by the full faith and credit of the United States Government.