Loan Rates

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


MCFCU Loan Special of the Month

Experiencing harship due to the COVID 19? Call 928-753-8000 to find out how to apply for relief!



MCFCU Dealer of the Month

Anderson Ford lincoln is our dealer of the month for september! Give us a call today for more informatoin 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

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. 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-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

Feeling the effects of the COVID 19 Pandemic? If you would like to apply for a quick cash loan here at Mohave Federal Ctedit Union. 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. other eligibility requriements apply, please call 928-753-8000 for more information. Member NCUA. Some restrictions apply.



The Skip A Pay (PDF – new window/tab) allows you to skip a payment(s) twice per calendar year. The first skip a payment can be used from January to June and the second from July to December. Use the extra cash to pay other bills or take that much needed vacation! With the Skip-A-Payment, you get to keep your cash when you need it most and use it for what ever you want!

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The following conditions apply:

  • The loan must be 6 months or older.
  • The request is on or before the scheduled due date.
  • The loan/account is current and in good standing.
  • Interest will continue to accrue at the rate stated on the loan contract and the first payments after the extension will pay the accrued interest before principal.
  • The loan is not a revolving type of loan (HELOC, Line of Credit, Visa Credit Card).
  • The loan is an extension and the maturity date of the loan will increase by the number of payments that are deferred.
  • The option is only available twice per calendar year. The first Skip A Payment is offered from Jan-Jun and the second from July-Dec.  SKIP A PAYMENTS CANNOT BE USED CONSECUTIVELY (ex: June and July or Dec and Jan).
  • All responsible parties must sign, including cosigners.
  • There is a $50.00 fee for each loan skipped.

Download the Skip A Pay form (PDF – new window/tab) and put a little cash back in your pocket!

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It’s easy to skip your payment – just print and complete the Skip-A Payment form and return it to us. You may bring it in or mail it to:
Mohave Community Federal Credit Union
2809 Stockton Hill Road
Kingman, AZ 86401
FAX the form to: 928-753-1441



Make A Loan Payment

To pay your loan installment, use the below form. Note: The following convenience fees apply to online payments:

  • Credit and Debit card transactions incur a 3.5% fee of the payment being made or $2.50, whichever is greater.
  • eCheck (ACH) transactions incur a $3.00 fee.


Important information in regards to submitting your payments online:

  • Payments may take up to 2 business days to post to your loan, but will post effective the day the payment was submitted.
  • Your Account number or Member number and Trailer number will be required to complete your payment.
  • If you have issues submitting your payment online, you may call 928-753-8000 option #1 to use our automated system.
  • The payment limit is $1000 per payment transaction. If you need to submit a payment that is larger than this amount, please contact 928-753-8000 ext. 212.
  • To pay your loan in full, call 1-928-753-8000 during business hours to confirm the payoff balance prior to submitting your payment. Most loans accrue interest daily.
  • If you would like to pay your Mohave Community Federal Credit Union Visa Credit Card payment, please visit

Loan Debt Protection

Debt Protection with Life Plus

Life, Disability, Involuntary Unemployment.

Help protect your family against the unexpected. Life can be wonderful. But it can also get complicated when unexpected things happen. 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. Call Mohave Community Federal Credit Union at 928-753-8000 and ask about protecting your loan today. 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. Certain eligibility requirements, conditions, and exclusions may apply.

Please contact your loan representative at 928-753-8000. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.




GAP Insurance

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


Mechanical Repair Coverage

Greenpath Debt Counseling

Financial Wellness
Your path to a brighter tomorrow. Learn more about GreenPath.

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

Hours PST
5 am – 8 pm M,W
5 am – 7 pm T, Th
5 am – 4 pm Fri
6 am – 3 pm Sat


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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.

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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.