Whether you are facing an unexpected emergency or celebrating one of life's big events, turn to your Credit Union for affordable personal loans. 

Personal/Signature Loan

For major purchases – an engagement ring, new furniture, home media system -- our personal/signature loans offer rates lower than most credit cards and flexible terms.


Share Secured Loan

If you need cash and don't want to deplete your savings, this loan lets you borrow up to the amount available in your Regular Share Savings account and enjoy flexible repayment terms. Most important, because the loan is secured by your savings balance, the interest rate is the lowest we offer on any loan.


MyChoice Loan

For short term financing, this loan spreads payments out over a full year, so your special event or project doesn't take an unexpected bite out of your budget! Our MyChoice Loan features:

  • Your choice of amount - $1000, $2000, $3000, $4000 or $5000
  • Special low rate
  • 12 month term
  • Use for any purpose
  • Available year-round



Smarter than a payday loan, an InstantLoan* is the low-cost alternative you can trust. Click here to print a quick InstantLoan Application.  Our InstantLoan is available to members at a comparatively low rate in three options:

  • $500
  • $1,000
  • $2,000

InstantLoans require NO CREDIT CHECK and include an option for FREE confidential budget counseling.

Check our current loan rates and apply online today! Or feel free to contact us with any questions.


Not a promise to lend; standard credit qualifications and some restrictions apply. *For $500 InstantLoan, the total repayment will be $520.98; for $1000 InstantLoan, the total repayment will be 1074.18; for $2000 InstantLoan, the total repayment will be $2197.44. InstantLoan borrowers must be at least 18 years old; be a member in good standing at the MWRD Employees' Credit Union (currently no overdrawn accounts or delinquent payments); have provided a verifiable home address and home & work telephone numbers; currently be enrolled in payroll deduction or direct deposit; have not declared bankruptcy; not currently have another InstantLoan. (Advances must be paid in full prior to new advances); initial the Truth-in-Lending information provided. Final loan approval is subject to our usual credit requirements, including verification of income and debts. Contact MWRD Employees' Credit Union for further details. Loans currently financed through MWRD Employees' Credit Union not eligible for refinancing.

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