Loans

Loan Rates

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

Dealer of the Month

Personal

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 deposit 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% Interest Rate

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 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

Loan Debt Protection

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. Click HERE for more information and then call MCFCU today at 928-753-8000. Certain eligibility requirements, conditions, and exclusions may apply.

GAP Insurance

Guaranteed Asset Protection

New vehicles depreciate, on average, 20% after one year.¹Newly purchased vehicles depreciate the second they’re driven off the dealer’s lot. When a vehicle is totaled in an accident or stolen and not recovered, your member could owe more than the vehicle is worth. GAP is designed to reduce or eliminate the difference between the insurance settlement and the loan balance. Our choice-driven GAP, GAP Plus and GAP with Deductible Assistance offer more feature options and more control than ever before.* Click HERE for more information and then contact MCFCU at 928-753-8000.

Don’t be stuck making payments on a car you can’t drive!

For more information contact our loan department at (928) 753-8000. You can also email us at mcfcreditunion@citlink.net.

Mechanical Repair Coverage

Mechanical Repair Coverage

The average car repair costs more than $1,200.²“55% of Americans don’t have $500 in cash for an emergency.”¹ With Mechanical Repair Coverage (MRC), you can offer a vehicle service contract to your members, to help in protecting them from unexpected vehicle repair costs. Because members are holding onto vehicles longer, MRC could be more important today than ever before. Use MRC to protect more members, more ways – and increase non-interest income for your credit union. Find out what plan best suits you! Click HERE for more information and then call us at 928-753-8000.

Free Greenpath Debt Counseling

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.

Call Today

1-877-337-3399
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Hours PST
5 am – 8 pm M,W
5 am – 7 pm T, Th
5 am – 4 pm Fri
6 am – 3 pm Sat

Financial Coaching

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

Click on the links and view the free printable handouts.

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.