Discover the value in your home!

NO FEE Home Equity Loan!

Rates as low as:

5.25% APR* for up to 60 months

5.75% APR* for up to 120 months

6.25% APR* for up to 180 months

Learn More...

*APR = Annual Percentage Rate. Rates and terms are subject to change. Rates are for 1st lien only. Min. new loan money is $15,000. Contact the CU for details and application. NMLS# 422133

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 5.99% APR* for up to 48 months

Used Rates as low as 6.99% APR* for up to 48 months

Check our current rates

*APR = Annual Percentage Rate. Certain terms and conditions apply.

We Make Tax Time Easy!

MLFCU makes paying taxes easy and affordable. Borrow up to $10,000 for as low as 5.99% APR*

Learn More...

*APR = Annual Percentage Rate. Certain terms and conditions apply. Not all borrowers will qualify for the lowest rate. Funds must be payable to Tax collector, State or Federal.

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.

Watch Your Wealth Grow

IRA Share Certificates

3.50% APY* on a 12 month term

or 3.00% APY* on a 24 month term

Learn More...

*APY=Annual Percentage Yield. Minimum $500 Deposit. APY’s subject to change without notice. An early withdrawal penalty may apply. Federally Insured by ncua.

News & Events

Quarterly Newsletter – Spring 2025

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

01
Apr

Join us at the 2025 55th Annual Meeting

Save the Date! April 12th, 2025. 55th Annual Meeting and Dinner.

28
Mar

MLFCU’s Scholarship Raffles

Check out our Easter Raffle Baskets! Proceeds will go to the 2025 MLFCU Scholarship Fund.

28
Mar

DON’T TAX MY CREDIT UNION MOVEMENT

Don't Tax My Credit Union Movement and what it means for you.

18
Mar

National Slam the Scam Day

National Slam the Scam Day is Thursday, March 6th, 2025.

01
Mar

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.

27
Feb

Bill Pay Scheduled Maintenance and Downtime

An annual system maintenance will begin at 11:00 p.m. ET on Saturday, April 12, 2025 through 5:00 a.m. ET on Sunday, April 13, 2025.

25
Feb

2025 Scholarships are available now!

09
Jan

Get Your Maximum Refund and Special Savings on TurboTax & H&R Block

Exclusive Member Discounts - Just for you!

09
Jan

Past news & events

Holiday Closures

2025 HOLIDAY CLOSURES

Good Friday – Friday, April 18th – Close at Noon

Memorial Day – Monday, May 26th

Independence Day – Friday, July 4th

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 April 1st, 2025. 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	.30%	APY**	Min. Balance $5.00
Club Accounts	.05%	APY**	No Min. Balance
IRA's	1.00%	APY**	No Min. Balance
24 mo. Cert.	3.50%	APY**	Min. Balance $500
Auto Loans*	5.18%	APR**
Visa*	12.90%	APR**
Home Equity* Rates are for 1st Lien only. Please contact CU for 2nd Lien rates.	5.25%	APR** 5 Year
	5.75%	APR** 10 Year
	6.25%	APR** 15 Year
Mortgage Loans	Varies	15, 20 & 30 year