|
Our auto loan rates are as low as 4.50%
and we have no processing or application fees!
Figure out your estimated loan payment below.
Click Here to Apply On-Line
We're ready when you are and our loan officers love to say, "You're approved!"
No application or processing fees on loans for members!
Click Here for our Loan Rates
Home Equity Line of Credit (HELOC)
If you're doing home improvements, paying for school or other major expenses and you don't know a fixed amount that you want to finance, a Home Equity Line of Credit may be the answer. The rate is typically less than a traditional loan and uses your house as collateral, so you can borrow more. Plus, the interest you pay may be tax deductible.* Qualified members may receive rates as low as Prime minue .75%.
*See your tax advisor
Home Equity Loans
Let the equity in your home work for you with a Muskegon Co-op Federal Credit Union Home Equity Loan. Eliminate the pressure of paying high-rate loan and credit card payments by paying off your balance in advance with the equity in your home.
Whether you are financing major expenses such as home improvements, college, investments, or just paying off other loans…a Muskegon Co-op FCU Home Equity Loan is a smart way to take advantage of the equity in your home. This can be a first or second lien.
Click here to E-mail the Loan Department
Closed-End Home Equity Loans
Mortgage Loans
Buying a new home? Let us help you with a low interest mortgage. We have fixed rate programs, adjustable rates, FHA/VA programs, or balloon programs. We also have a program for first time home buyers. Building a new home? We also offer construction loans.
Click Here for more information and current mortgage rates.
Secured Loans
Whether you have your eye on a new vehicle, found a great deal on a used vehicle, or would like to refinance a higher rate loan from another financial institution, Muskegon Co-op FCU has a loan program to meet your needs. Secured loans are also available for recreation vehicles, motor homes, motorcycles, snowmobiles, boats, trailers, and more.
-
NO application fees!
-
Low interest rates!
-
No prepayment penalties
-
Pre-approvals are available
-
Terms up to 84 months*
-
Optional Credit Life and
Credit Disability Insurance available
-
Simple interest calculated on the unpaid balance
-
New autos can be financed up to 100% of the MSRP
with approved credit.
-
.25% monthly rebate will be paid to the savings account
if loan payment is auto transfer.
*Loan must be > $30,000
Rates Apply Now!
Share or Certificate Loans
Use your certificates or share account as collateral for our lowest interest rate loan, and still earn dividends on the
certificate or share account.
- Low interest rates
- Simple interest calculated on the unpaid balance
Rates Apply Now!
Unsecured Loans
Muskegon Co-op Federal Credit Union has many unsecured loan options for you. Your approval and loan rate is determined by your personal credit history. Whether you need extra cash for holiday shopping, a great vacation, debt consolidation, wedding expenses, or any worthwhile purchase…we have the perfect personal loan for you.
- No collateral required
- Low interest rates
- Terms up to 60 months
Rates Apply Now!
To Report a lost or stolen Visa Card call the credit union at
231-726-4871. After hours call 1-866-333-4740.
VISA Platinum Credit Card
Why pay high rates and fees with other credit card programs when you can carry a Muskegon Co-op FCU Platinum Preferred Visa? Plus your Platinum Preferred Visa earns Scorecard Bonus Points every time you use your card. The Scorecard Points can be used to purchase travel or prizes. Your Muskegon Co-op FCU Platinum Preferred Visa card is accepted at millions of locations worldwide. To view the Awards you can redeem with your Scorecard Bonus Points, go to www.scorecardrewards.com or call 1-800-854-0790.
Click here to ask our VISA Department a question.
Rates Apply Now!
To Report a lost or stolen Visa Card call the credit union at
231-726-4871. After hours call 1-866-333-4740.
VISA Classic Credit Card
Why pay high rates and fees with other credit card programs when you can carry a Muskegon Co-op FCU VISA? Your Muskegon Co-op FCU Visa Credit cards are accepted at millions of locations worldwide. Click here to ask our VISA Department a question.
-
No annual fee
-
No balance transfer fees
-
Low interest rate
-
Low monthly payment (Your monthly Visa payment is computed at just 3% of your outstanding balance (minimum $25.00).
-
25-day grace period on new purchase balances. Avoid finance charges by paying off your balance within at least 25 days of your statement closing date. Cash advances accrue interest from the date the advance is made.
-
Make cash advances at any participating institution and at more than 150,000 ATMs worldwide.
-
No transaction fee for cash advances made at the credit union or any other financial institution.
-
Cash advance interest rate, the same as for purchases.
-
Pay your balance in full or make monthly payments. Make your minimum monthly payment or pay your balance off. Tailor it to your budget.
-
Free travel insurance.
-
Share pledged Visa available.
-
Pay your Visa bill at either Muskegon Co-op FCU branch or any shared branch location.
Rates Apply Now!
Verified by VISA
If you have a Muskegon Co-op FCU Visa Card, you can now protect it online with a personal password. Your Verified by Visa password helps ensure that only you can use your Visa card number to buy online.
Free Budget Counseling
(offered by Love In the Name of Christ)
Call 777-3905 to
schedule an appointment
Winter Hours, Mon.-Thurs. 8:00 am-4:30 pm
Counselors in 3 locations
Downtown • Holton Rd. • Norton Shores
|
Free Credit Report
To request a free credit report
Click Here |
Mechanical Breakdown Protection
Muskegon Co-op Federal Credit Union members often face unexpected vehicle repairs, or keep their vehicles longer than their manufacturer’s warranty covers.
Because a vehicle is the most important asset next to a home, Muskegon Co-op Federal Credit Union is now offering Mechanical Breakdown Protection (MBP), an extended service contract program that offers four levels of protection: platinum, gold, silver, and bronze.
Offered by Allied Solutions and Muskegon Co-op Federal Credit Union, MBP features a one-time premium that can be rolled into a vehicle loan (eligibility requirements apply), no limits on claims, and claims adjusters that are certified by the National Institute for Automotive Service Excellence.
MBP also provides a safety net for vehicle repairs, so members don’t have to dip into their savings accounts or increase their credit card debt.
Gap Protection
You’ve just financed your dream car.
Well, before you drive away, consider this:
·The car began depreciating immediately.
·One in three Americans will suffer the total loss of a vehicle.
·One in every 20 drivers will experience an unrecovered theft.
Vehicle prices continue to increase and at the same time we want longer loan terms and are making smaller down payments. It’s typical for a vehicle’s outstanding loan balance to be significantly higher than its actual cash value, especially during the first few years of the loan.
If your vehicle is totaled or stolen, your insurance settlement will be based on its actual cash value, not the outstanding loan balance. This may create a deficiency balance or a “gap”.
We have the product that will prevent you from incurring a financial loss...Guaranteed Asset Protection (GAP). This product eliminates the potential for loss in the event your vehicle is totaled or stolen.
Without GAP you are liable for the deficiency balance.
| 
