Personal Loans - Merrimack Valley CU
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Online Banking

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For Former RTN Members: Log in using your current RTN username and password. If your username was your RTN member number, continue to use your RTN member number as your username. Please do not use your new 10-digit member number.
For example:

  • Your username for RTN's online banking was 123456.
  • Your username for MVCU's online banking is still 123456.

You will then be prompted to create a password.

Need Help?

Online Banking

Forgot Username?

Forgot Password?

Register

For Former RTN Members: Log in using your current RTN username and password. If your username was your RTN member number, continue to use your RTN member number as your username. Please do not use your new 10-digit member number.
For example:

  • Your username for RTN's online banking was 123456.
  • Your username for MVCU's online banking is still 123456.

You will then be prompted to create a password.

Need Help?

Home / Borrow / Personal Loans
personal loan, funds, unsecured, secured

When I was in a tight financial spot, MVCU was there to help.

Apply Today

personal loan, funds, unsecured, secured

When I was in a tight financial spot, MVCU was there to help.

Apply Today

Personal Loans

Five great ways to get the funds you need, when you need them

Unsecured Personal Loan

  • Perfect for: Debt Consolidation, holiday, vacation, medical expenses, and so much more!
  • No collateral necessary! Approval is based on your income & credit history.
  • Rates as low as 10.24% APR*
  • Terms up to 66 months.
  • Fixed monthly payment.

Apply Now

Secured Personal Loan

  • Perfect for: Debt Consolidation, holiday, vacation, medical expenses, and so much more!
  • The loan is secured by your Savings or Certificate account
  • Rates as low as 3.50% APR*.  Rate is indexed to rate of the associated Savings or Certificate account.
  • Terms up to 66 months
  • Fixed monthly payment

Apply Now

Peace of Mind Personal Loan

  • Perfect for: Debt Consolidation only!
  • Available to new MVCU members within 60 days of membership
  • Includes a "Thank you for joining" rate discount of 1.00% APR* off an Unsecured Personal Loan
  • Get out of debt sooner!  No exorbitant credit card interest rates
  • Terms up to 66 months
  • Fixed monthly payment

Apply Now

Personal Line of Credit

  • Perfect for: Debt Consolidation, holiday, vacation, medical expenses, and so much more!
  • Borrow what you need, when you need it
  • Fixed rate line of credit at 12.99% APR*
  • Fixed limit between $500 and $5,000
  • Annual fee of $25.00

Apply Now

Overdraft Line of Credit

  • Perfect for: Those unexpected bounced checks & declined payments
  • Avoid insufficient checking account item & 3rd Party returned check fees
  • Protect your credit history
  • Fixed rate line of credit at 18.00% APR*
  • Fixed limit between $500 and $2,500
  • Annual fee of $25.00

Apply Now

 

Check Your Rate

Personal Unsecured Loans
Effective Date: Monday, July 15th, 2024
Loan TypeAPR* as low asLoan Term in MonthsMonthly Payment per $1,000
Personal Unsecured Loans 10.24% up to 66 $19.97
Peace of Mind Unsecured 9.24% up to 66 $19.46
Smart Choice Unsecured 10.24% up to 60 $21.46
Share Secured Add to Share 3.50% up to 66  
Share Certificate Secured Add to Certificate 3.50% CD Maturity  
Overdraft Line of Credit ($500 - $2,500) 18.00% N/A  
Personal Line of Credit ($500 - $5,000) 12.99% N/A  

 

Calculate Your Payment

2.490%
2.490%
Your monthly payment is only...
354.86 for 5 years
Apply Now

MVCU, Skip A Pay, Skip Payment, auto loan, personal loan

Give yourself a little gift with Skip-A-Pay!

Skip up to one (1) loan payment per year per qualifying loan*... and YOU pick the month you want to skip!

  • Login to Online or Mobile Banking.  Select "Skip-A-Pay" from the Transfers dropdown.  
  • Select the eligible loan that you'd like to skip and follow the instructions.
  • There is a fee of $30.00 per loan per month skipped.
  • Offer applicable on Consumer closed-end loans only: Auto, Motorcycle, and/or Personal loans.

Don't have Online Banking?  Visit a branch or call us at 800-356-0067 today!  

An Easy Way to Make Your Loan Payment

Online Banking makes payments easy!

Set up your Transfers today!

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