BORROW
Mid Cities Credit Union, offers a variety of loan and credit for nearly every financial need. Whether you’re looking to purchase a new vehicle, consolidate debt with a low interest loan, or fund a vacation, our borrowing options come with competitive rates and terms to help you feel good about the money you borrow. Along with that, our fast application review and funding processes will allow you to get the funds you need quickly so you can spend more time enjoying the things that matter the most to you.
Auto Loans
Let us finance or refinance your new or used car loan and we’ll match your current rate. Certain restrictions apply, so call our Loan Department.
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Great low rates with terms up to 72 months for pre-owned vehicles & 84 months for new vehicles
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Available for a wide range of new and used cars, trucks, and SUVs
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Up to 100% financing including tax and license
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Loan pre-approvals available
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Dealer purchases, refinances, private party purchases and lease buyouts
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Variety of loan insurance products available including Guaranteed Auto Protection (GAP), Mechanical Breakdown Insurance (MBI) and Credit Life & Disability
Home Loans & HELOCs
Our Home Loans are designed to support your goals, whether you are buying a new home, upgrading your current space, or refinancing for a better rate! Choose from fixed-rate Closed End Loans or flexible Open End HELOC options. Both mortgage available for purchase or refinance. Rates as low as 5.65% APY*
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Choose from fixed-rate Closed End Loans or flexible Open End HELOC options. Both mortgage available for purchase or refinance.
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Competitive rates and terms
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Closed End loans available in first or second position with fixed terms up to 30 years
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Open End HELOC options with two flexible choices:
5 Year ARM
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Fixed for the first 5 years, adjustable for the remaining 25 years
10 Year ARM​
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Fixed for the first 10 years, adjustable for the remaining 25 years
*APR=Annual Percentage Rate. Rates are subject to change without notice.
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Personal Loans
Our Signature Loans are available for nearly any financing need. Borrow to purchase a computer, take a vacation, tend to a family emergency, or even pay for last-minute school supplies! Our affordable rates and generous terms make this loan very attractive.
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Competitive rates and terms
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Signature loans with terms up to 60 months​
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​Personal lines of credit with limits up to $10,000
Credit Cards
Whether you’re shopping around the globe or around the corner, our Visa Cards are accepted anywhere you see the VISA logo.
Visa Platinum
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As low as 9.90% APR*
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No annual fee
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Limit up to $10,000
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No interest for the first 25 days
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Minimum payment is only 3.0% of the outstanding balance
Share Secure Visa
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Unbeatable rates as low as 5.99% APR*
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No annual fee
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Limit up to $25,000
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25-day grace period
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Minimum payment is only 3.0% of the outstanding balance
*APR=Annual Percentage Rate. Rates are subject to change without notice.
Visa Secure Credit Card Disclosure and Agreement
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Borrow Against Your Savings
Have you been turned down for a loan due to a lack of credit history or poor credit? Or maybe you have established credit and just want to pay a lower interest rate?
We can help you borrow up to 95% of your credit union savings account or share certificate at a very low rate. By borrowing against your savings or share certificate, you can establish new credit or rebuild good credit by paying off the balance.
To learn more about our different loan options or to apply today, contact a Loan Representative at (310) 638-5147.