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Lending Meeting the unique borrowing needs of members and growing families is truly at the heart of our mission as your Credit Union. Making loans easily accessible to our valued members is a high priority. In addition to receiving face-to-face or phone assistance with your loan request at any of our branch offices, you can obtain our current rates online rates or apply online by completing one of our online applications. Your credit plays an important role in our loan decisions. If you want to stay up to date on your credit history file, your credit information is just moments away when you click on this link to Trans Union's True Credit. Here you can order your most recent credit report, get your credit score and get tips on how to improve your credit score. You can also order a 3-Bureau credit report. Financing Options at MWRD Employees’ Credit Union Unsecured / Signature Loans Signature loans are granted to qualified members for any good purpose. Combine a low fixed rate with various terms. For maximum convenience, set up automatic biweekly payments through payroll deduction or monthly payments through pension deduction. If you need cash but don't want to deplete your savings, consider a loan secured by your Share Savings account. You can borrow up to the amount available in your account and take up to 60 months to repay. Most important, because the loan is secured by your savings balance, the interest rate is the lowest we offer on any loan. New & Used Vehicle Loans We want to make it easy to drive the vehicle of your dreams. Whether you're buying a new or pre-owned car or truck or refinancing for a lower payment, you'll find our rates and terms to be the best in town. Get Pre-Approved before you shop, and be the "cash buyer". Go to any dealer, negotiate your best deal, and you already will know what rate you will be paying. Plus, our automotive partners can help you locate just the right wheels.
Holiday Loans For those holiday extras, don't run up the balances on your high interest credit cards-you'll regret it later! Our low-interest holiday loan applications are available after November 1st each year. Make sure you're ready early with a low-interest solution for your extra shopping, dining, celebrations and entertainment! Contact us for a worry-free holiday-to-remember. Vacation Loans At your credit union, you're always just steps away from that great getaway! Each summer, low rates are available on your choice of loan amounts, so you can take a well-deserved break! Talk to us before your travel agent, so you can have the funds available to write your reservation check. Home Equity Line of Credit Use your greatest asset to receive a low rate loan for almost any purpose. Borrow against the value of your home to finance improvements, college tuition, medical bills, debt consolidation, and more. Plus, a home equity loan may be 100% tax deductible (contact your tax advisor for details). We offer up to 100% of the value of your home less any existing liens and, a variable rate tied to prime and adjusted quarterly. Mortgage Loans Whether you are a first-time buyer, moving to a bigger home to accommodate a growing family, or downsizing the "empty nest," getting the right home loan can be just as important as finding the right home. The MWRD ECU offers a wide variety of home mortgage loans to our members through our partner, Central States Mortgage. With dozens of loan programs available, it can be hard to know which one is right for you. Our mortgage consultants, Cindy Curran and Colin Ungstad will work with you every step of the way to make sure you get the loan that fits your needs.
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