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Mortgage, Auto, Personal Loans, and more.

Find the best lending product to fit your needs.

Home Lending

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Mortgage

From your first house to an investment property, we're here to help you find your dream home.

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Home Equity Loans & Home Equity Lines (HELOC)

Use your home's value to fund future projects, dream vacations, and more.

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Mortgage Rates

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Home Equity Loan Rates
Effective Date: Monday, October 7th, 2024
ProductTermLoan to Value RatioCredit ScoreAPR1Estimated Monthly Payment per $1000Apply Now
Home Equity Loans 5 Years 80% 760+ 6.50% $19.57 Apply now
  10 Years 80% 760+ 6.75% $11.48 Apply now
  15 Years 80% 760+ 7.00% $8.99 Apply now
  20 Years 80% 760+ 7.25% $7.90 Apply now
  5 Years 90% 760+ 6.75% $19.68 Apply now
  10 Years 90% 760+ 7.00% $11.61 Apply now
  15 Years 90% 760+ 7.25% $9.13 Apply now
  20 Years 90% 760+ 7.50% $8.06 Apply now

Annual Percentage Rate (APR) for 1-4 family, owner occupied primary residence and second/vacation homes with max loan-to-value 90%. Rate subject to change at any time. The APR is variable-rate and may increase after consummation. The maximum APR that may apply is 18%. No closing costs if the line is for $15,000 or more. However, if the line is closed within the first 24 months, fees for title search, credit report, flood certificate, valuation, recording and closing will be repaid by the borrower. If line is less than $15,000, the borrowers will pay closing costs ranging from $30 to $4,000. Property insurance is required. Please consult a tax advisor regarding the deductibility of interest and charges. Subject to credit approval.

Home Equity Line Rates
Effective Date: Monday, October 7th, 2024
Draw PeriodRepayment PeriodLoan to Value RatioCredit ScoreAPR1Apply Now
5 Year Draw Period 10 years 80% 760+ 8.00% Apply now
10 Year Draw Period 10 years 80% 760+ 8.25% Apply now
5 Year Draw Period 10 years 90% 760+ 8.25% Apply now
10 Year Draw Period 10 years 90% 760+ 8.50% Apply now

Annual Percentage Rate (APR) for 1-4 family, owner occupied primary residence and second/vacation homes with max loan-to-value 90%. Rate subject to change at any time. The APR is variable-rate and may increase after consummation. The maximum APR that may apply is 18%. No closing costs if the line is for $15,000 or more. However, if the line is closed within the first 24 months, fees for title search, credit report, flood certificate, valuation, recording and closing will be repaid by the borrower. If line is less than $15,000, the borrowers will pay closing costs ranging from $30 to $4,000. Property insurance is required. Please consult a tax advisor regarding the deductibility of interest and charges. Subject to credit approval.

The Credit Union Difference

We are not a bank, and that's an advantage for our members. As a credit union member, here's how you benefit.

mortgage

At credit unions, members are owners; we answer to them, not investors. Each member has equal ownership.

mortgage

Thanks to the CO-OP branch network, you can access over 30,000 fee-free ATMs and over 5,000 branch locations nationwide.

mortgage

Credit unions are not-for-profit cooperatives that give back to their members with great savings rates and lower loan rates.

mortgage

Throughout the history of U.S. credit unions, taxpayer funds have never been utilized to rescue a credit union.

mortgage

Credit union deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a federal government agency.

Vehicle Loans

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Auto Loans & Auto Refinancing

Hit the road in the ride you want with rates you'll love.

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Motorcycle RV Boat Loans

Get a low, fixed rate and term based on your credit score, vehicle type and condition.

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Mobility Loans

Discover where a converted vehicle with adaptive equipment can take you.

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Auto Loan Rates
Effective Date: Monday, October 7th, 2024
ProductTermAPR1Estimated Monthly Payment per $1000Apply Now
New/Used Auto Up to 60 Months 5.75% $20.16 Apply now
  72 Months 6.50% $17.66 Apply now
  84 Months 7.75% $16.22 Apply now
  96 Months 8.75% $15.97 Apply now

Other Vehicle Loan Rates
Effective Date: Monday, October 7th, 2024
ProductTermAPR1Estimated Monthly Payment per $1000Apply Now
Motorcycles
(New & Used)
36 Months 5.00% $29.98 Apply now
  48 Months 5.25% $23.15 Apply now
  60 Months 5.50% $19.11 Apply now
  72 Months 5.75% $16.46 Apply now
  84 Months 6.00% $14.62 Apply now
Boats, RV's, & Utility Trailers
(New & Used)
36 Months 7.25% $30.99 Apply now
  48 Months 7.50% $24.18 Apply now
  60 Months 7.75% $20.16 Apply now
  72 Months 8.00% $17.54 Apply now
  84 Months 8.25% $15.72 Apply now
  120 Months 8.50% $12.40 Apply now

 

Get your credit score and more

Receive your credit score and more with an MIT FCU account. Just enroll through mobile and online banking.

  • Get daily access to your credit score.
  • Daily credit report monitoring. 
  • Financial checkup with detailed spending and cashflow overview.
  • Credit score simulator to help plan how to improve your score.
Online Banking Mobile Banking
 

Personal Loans

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Personal Loans

A personal loan is a flexible solution for many needs.

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Unsecured Loan Rates
Effective Date: Monday, October 7th, 2024
ProductTermAPR1Estimated Monthly Payment per $1000Apply Now
Personal Loan + Co-Application/Guarantor Loan 12 Months 8.75% $87.32 Apply now
  24 Months 9.00% $45.68 Apply now
  36 Months 9.25% $31.91 Apply now
  48 Months 9.50% $25.12 Apply now
  60 Months 10.00% $21.25 Apply now
Tuition Assistance Loan 12 Months 8.75% $87.32 Apply now
Overdraft Protection Line of Credit Line of Credit 11.00% N/A Apply now
Fuel Assistance Loan 12 Months 6.50% $86.29 Apply now
Express Loan 12 Months 18.00% $91.67 Apply now
Accessibility Lifestyle Loans 12 Months 8.50% $87.20 Apply now
  24 Months 8.75% $45.57 Apply now
  36 Months 9.00% $31.80 Apply now
  48 Months 9.25% $25.00 Apply now
  60 Months 9.75% $21.23 Apply now
Rental Assistance 12 Months 8.50% $87.20 Apply now
  24 Months 8.75% $45.57 Apply now
  36 Months 9.00% $31.80 Apply now

Student Lending

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Student Lending & Student Refinancing

Invest in your education with a Student Loan. We're here to help you reach your academic goals.

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Green Lending Products

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Solar Loans

Take advantage of an environmentally-friendly energy source and save on energy bills.

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Solar Loan Rates
Effective Date: Monday, October 7th, 2024
ProductTermAPR1Estimated Monthly Payment per $1000Apply Now
Solar Loan 84 Months 9.00% $16.09 Apply now

eBike Loan Rates
Effective Date: Monday, October 7th, 2024
ProductTermAPR1Estimated Monthly Payment per $1000Apply Now
eBikes 12 Months 8.50% $87.24 Apply now
  24 Months 8.50% $45.47 Apply now
  36 Month 8.50% $31.58 Apply now
  48 Months 9.25% $25.01 Apply now
  60 Months 9.75% $21.13 Apply now