We Make Tax Time Easy!
MLFCU makes paying taxes easy and affordable. Borrow up to $10,000 for as low as 6.25% 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.
Watch Your Wealth Grow
Share Certificates
3.75% APY* on a 6 month term
3.50% APY* on a 12 month term
or 3.25% APY* on a 24 month term
*APY=Annual Percentage Yield. Minimum $500 Deposit. APY’s subject to change without notice. An early withdrawal penalty may apply. Federally Insured by ncua.
LIFE IS SWEETER WITH DAFFINS!
Candy Bars Have Arrived
Get them while they last! Visit your local branch to buy yours today! $2.00 each. Proceeds will benefit the 2026 MLFCU Scholarship Fund.
*APR = Annual Percentage Rate. Certain terms and conditions apply.
Save Money with a Debt Consolidation Loan
Consolidate your debt and save money!
Consolidate up to $15,000 of high-interest debt for as low as 5.95% APR* for up to 36 months
*APR = Annual Percentage Rate. Certain terms and conditions apply. Funds must be payable to lenders.
Holiday Debt Consolidation Loans
Holiday Debt have you feeling upside down?
Consolidate up to $15,000 of high-interest debt for as low as 5.75% APR*
*APR = Annual Percentage Rate. Certain terms and conditions apply.
Drive4Less Auto Lending Program
Dramatically lower your monthly auto payment through our Drive4Less Auto Lending Program. Ask us about it today!
Learn More...*APR = Annual Percentage Rate.
Certain terms and conditions apply.
News & Events
Bill Pay Scheduled Maintenance and Downtime
An annual system maintenance will begin at 11:00 p.m. ET on Saturday, April 11, 2026 through 5:00 a.m. ET on Sunday, April 12, 2026.
Read More...Mar
Mar
Holiday Closure
In observance of Good Friday, all branches will be closing at noon on Friday, April 3rd.
Read More...Mar
Warren MLFCU is collecting items for local service members
The Warren branch of Mountain Laurel Federal Credit Union is accepting donations to support our local service members currently deployed overseas.
Read More...Mar
MLFCU’s Scholarship Raffles
Purchase your Spring Raffle tickets to show love to our High School Seniors! Proceeds benefit the MLFCU Scholarship Fund.
Read More...Mar
Join us at the 2026 56th Annual Meeting
Save the Date! April 18th, 2026. 56th Annual Meeting and Dinner.
Read More...Feb
Get Your Maximum Refund and Special Savings on TurboTax & H&R Block
Exclusive Member Discounts - Just for you!
Read More...Feb
MEMBER SERVICE REWARDS
Reintroducing our Member Service Rewards! The more services you have with the CU allows you to receive a lower APR* on your loan.
Read More...Feb
MLFCU VOTED ONE OF THE BEST OF TRI-COUNTY!
Thank you for voting Mountain Laurel Federal Credit Union in the Best of Tri-County 2025 Awards.
Read More...Jan
Holiday Closures
Access your account 24-7 with phone banking, online banking or our mobile app!
Current Rates | Applications | Forms
Current Rates
| 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* | 4.51% | 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 | |
| NMLS ID# 422133 Rate effective January 1st, 2026. 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 | |||
|---|---|---|---|
Mortgage Rates
Applications & Forms
Loan Specials
Get Ready for Snow!
Snowblower/Snow Plow Loans... Your driveway will be the envy of the neighborhood this winter!
Read More...Side-by-Side Utility Vehicle Loans
Your favorite Side by Side or UTV is just a loan away!
Read More...Vehicles & Items for Bid
2018 Jeep Compass
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: 04/01/2026
Bid Request