Loan Rates

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

Dealer of the Month

Our dealer of the month is Desert Thunder Motor Sports. Please call 928-753-8000 for more information.


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


Loan Debt Protection

Debt Protection Life Plus









GAP Insurance

cuna mutual group

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

How many times have you heard of someone’s car being totaled or stolen and their insurance company refusing to payoff the loan balance? It’s all too common nowadays, since many insurance companies only pay the ‘Actual Cash Value’ of the vehicle. In most cases, this doesn’t equate to the loan balance, and the borrower is left paying the difference. To protect members from this unpleasant situation, we’ve partnered with Cuna Mutual Group to offer an inexpensive solution. Named Guaranteed Asset Protection Insurance Plus (GAP), our GAP Plus program waives the difference between your primary insurance company’s settlement and your MCFCU auto loan balance on items directly related to the purchase of your vehicle.  GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union)

GAP Plus is offered to members for a low one-time fee and is good for the life of your loan. And if for any reason you are unsatisfied with this coverage, you can cancel the protection and receive a full refund during the first 90 days.

To make your decision even easier, we offer several payment options. You can add the premium to your auto loan (which will increase the payment accordingly), write us a check, or transfer the full amount from your savings or checking account.

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


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


Hablamos espanol

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.