No Fee Home Equity**

Loan Special

Get the most out of your Home Equity. Rates as low as 4.625% APR*. Hurry! This is a limited time offer.

*APR = Annual Percentage Rate. Rate shown includes the Member service rewards discount for having 4+ qualifying services with the cu and a 0.125% discount for adding debt protection. Min. new money is $15,000. Certain terms and conditions apply.

Learn More...

Ready to Get Away?

Let MLFCU help you with your summer plans!

New Camper and Boat loans starting at 5.365% APR* for up to 60 months

Used Camper and Boat loans starting at 5.665% APR* for up to 60 months

Learn More...

*APR = Annual Percentage Rate. Other rates and terms are available. Rates quoted above include a 0.50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding GAP and/or Debt protection to the loan. Not all applicants will qualify for lowest rate.

Side by Side/UTV Loans

Hit the trails with a loan from MLFCU because you’re never to old to play in the mud!

New Rates as low as 5.365% APR* for up to 48 months

Used Rates as low as 6.365% APR* for up to 48 months

Check our current rates

*APR = Annual Percentage Rate. Other rates and terms are available. Rates quoted above include a 0.50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding GAP and/or Debt protection to the loan. Not all applicants will qualify for lowest rate.

Love your home even more.

Create your dream home with a MLFCU Home Improvement loan. Borrow up to $15,000 with rates starting as low as 5.25% APR*.

Learn More...

*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply. Funds must be payable to contractors or supply an estimate to verify work.

News & Events

Member Appreciation Days are Back!!

We want to say “Thank You” for being such great members!

05
Aug

Sallie Mae Student Loans

Get the money you need to help make higher education happen!

31
Jul

Are You Traveling?

If you are planning on a vacation or just getting away for the weekend, please be sure to contact the credit union to have an alert put on your Debit [...]

30
Jul

MLFCU’s Scholarship Raffles

Now's your chance to purchase a ticket for our Back to School Raffle baskets benefiting out 2026 MLFCU Scholarship Fund.

23
Jul

Welcome Potter and Forest County!

We are excited to announce that our Field of Membership has expanded. Welcome Potter & Forest County!

17
Jul

Quarterly Newsletter – Summer 2025

The latest quarterly newsletter is now available! Rates are subject to change at any time.

01
Jul

DRIVE4LESS Auto Loans

Let MLFCU get you into an affordable payment with a DRIVE4LESS Auto Loan

27
Jun

MEMBER SERVICE REWARDS

Reintroducing our Member Service Rewards! The more services you have with the CU allows you to receive a lower APR* on you loan.

02
Jun

Winners of the 2025 MLFCU’s Annual Scholarship Program Announced

Winners of the 2025 MLFCU's Annual Scholarship Program Announced!

14
May

Past news & events

Holiday Closures

2025 HOLIDAY CLOSURES

Labor Day – Monday, September 1st

Columbus Day – Monday, October 13th

Veterans Day – Tuesday, November 11th

Thanksgiving – Thursday, November 27th

Christmas Eve – Wednesday, December 24th – Close at Noon

Christmas – Thursday, December 25th

New Years Eve – Wednesday, December 31st – Close at Noon

Access your account 24-7 with phone banking, online banking or our mobile app!

Current Rates | Applications | Forms

Current Rates

NMLS ID# 422133 Rate effective July 1st, 2025. Rates may include discounts for having 4+ services with the CU and discounts with Debt Protection/GAP and Mechanical Repair Coverage. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts. ()as low as (*)APY/APR = Annual Percentage Yield/Annual Percentage Rate
Shares			Min. Balance $5.00
$0.01 to $2,500.00	0.25%	APY**
$2,500.01 to $15,000.00	0.30%	APY**
$15,000.01 to $50,000.00	0.35%	APY**
$50,000.01 and above	0.40%	APY**
Club Accounts	0.05%	APY**	No Min. Balance
IRA's	1.00%	APY**	No Min. Balance
24 mo. Cert.	3.50%	APY**	Min. Balance $500
Auto Loans*	4.43%	APR**
Visa*	12.90%	APR**
Home Equity* Rates are for 1st Lien only. Please contact CU for 2nd Lien rates.	4.625%	APR** 5 Year
	5.125%	APR** 10 Year
	5.625%	APR** 15 Year
Mortgage Loans	Varies	15, 20 & 30 year

View All Rates

Mortgage Rates

Apply Now

Applications & Forms

Select a Form

Apply for a Loan

Account Services

Loan Specials

Back to School Loan Special

Back-to-School Loans are available now!

Camper or Boat Loans

Cruise into Summer with a New or Used Camper or Boat Loan.

No Fee Home Equity Loan

Put the value of your house to work for you with a No Fee Home Equity Loan from MLFCU.

Debt Consolidation Loan Special

Let us help you take control of your Debt!

Side-by-Side Utility Vehicle Loans

Your favorite Side by Side or UTV is just a loan away!

Home Improvement Loan

Home Improvement Loan... We have the tools to get the job done!

Vehicles & Items for Bid

2013 BMW 5 Series

131,373 miles
Sunroof
Power windows
Power seats
Heated seats

The Mountain Laurel FCU is now accepting bids for the vehicle listed above. This vehicle may be viewed at the credit union office at 413 S. Michael Street, St. Marys, PA. By placing a bid on this vehicle, you will accept it in its present “AS IS” condition and relieves the Mountain Laurel FCU of any further responsibility whatsoever in connection with the condition of this vehicle. No representation, promise, or warranty expressed or implied with respect to the merchantability, suitability, or fitness for the purpose intended for the vehicle. Mountain Laurel FCU reserves the right to accept or reject all bids.

Last day of Bid: 09/03/2025

Bid Request

No Fee** Home Equity

Loan Special

*APR = Annual Percentage Rate. Rate shown includes the Member service rewards discount for having 4+ qualifying services with the cu and a 0.125% discount for adding debt protection. Min. new money is $15,000. Certain terms and conditions apply.

Back to School

Loan Special

*APR = Annual Percentage Rate.

Certain terms and conditions apply.

Debt Consolidation Loan

*APR = Annual Percentage Rate. Certain terms and conditions apply. Funds must be payable to lenders.

Ready to Get Away?

Let MLFCU help you with your summer plans!

New Camper and Boat loans starting at 5.365% APR* for up to 60 months

Used Camper and Boat loans starting at 5.665% APR* for up to 60 months

*APR = Annual Percentage Rate. Other rates and terms are available. Rates quoted above include a 0.50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding GAP and/or Debt protection to the loan. Not all applicants will qualify for lowest rate.

Drive4Less Auto Lending Program

*APR = Annual Percentage Rate.

Certain terms and conditions apply.

Side by Side/UTV Loans

*APR = Annual Percentage Rate. Other rates and terms are available. Rates quoted above include a 0.50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding GAP and/or Debt protection to the loan. Not all applicants will qualify for lowest rate.

Love your home even more.

*APR = Annual Percentage Rate. Rates and terms are subject to change. Contact the CU for details and application. Certain restrictions apply. Funds must be payable to contractors or supply an estimate to verify work.

News & Events

Holiday Closures

Access your account 24-7 with phone banking, online banking or our mobile app!

Current Rates | Applications | Forms

Current Rates

Mortgage Rates

Applications & Forms

Loan Specials

Vehicles & Items for Bid

2013 BMW 5 Series

No Fee Home Equity**