Loan Rates

For the most current loan rates please contact Mohave Community Federal Credit Union at 928-753-8000.


Signature Loan
What is a Signature Loan? Also known as a “good faith loan” or a “character loan”, you may be eligible for this type of loan based on your credit qualifications. The only guarantee we need is your signature. With a Signature Loan from Mohave Community Federal Credit Union, emergencies, repairs, vacations, new appliances, tax payments, or almost anything in-between isn’t a problem. You may apply online by clicking on “Applications” to the left of this page or click HERE to apply now!

Share Secured Loan
A share secured loan is a loan that is secured or guaranteed by a member’s savings account. No credit or less-than perfect credit? Our share pledge uses your savings as collateral, and your certificate of shares is your collateral for a time note. Not only do you enjoy a low loan rate, you’re also building your credit. Contact MCFCU at 928-753-8000 ext. 202 or 216 and find out how today!

Automatic payments – Available
Pre-payment penalties – None

Quick Cash

Loan Application Fees: $25 for $250 – $500 Loan or $50 for $501 – $1000 Loan

This product is available with:   NO Credit Check   –   18% Annual Percentage Rate (APR)

Minimum Loan Amount $250.  – Maximum Loan Amount $1,000.

Eligibility Requirements:

Must be a current member for at least 1 year.

Must have Direct Deposit for at least 6 months.

Monthly Direct Deposit must be the value of the loan or greater.

Must be in good standing and cannot have caused a loss to the Credit Union either through nonpayment of a loan or an over drafted account.

Additional Requirements:

Must be 18 years of age or older.

Must have $50.00 in savings account and an open a checking account.

Only ONE (1) loan per member.

Must be employed ONE (1) year.

Sample Loan Amounts

250 x 3 months

500 x 4 months

750 x 5 months

1,000 x 6 months

Loan Debt Protection

Debt Protection with Life Plus

Life, Disability, Involuntary Unemployment.
Life can be wonderful. But it can also get complicated when unexpected things happen. Help protect your family against the unexpected. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. It’s easy to apply for MCFCU’s Debt Protection. It’s voluntary and won’t affect your loan approval.  Your purchase of MCFCU’s Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. For more information call us today at 928-753-8000. Certain eligibility requirements, conditions, and exclusions may apply.

Mechanical Repair Coverage

Mechanical Repair Coverage

Protect your vehicle from the unexpected.
The average car repair costs more than $1,200.
55% of Americans don’t have $500 in cash for an emergency. With Mechanical Repair Coverage (MRC), you can offer a vehicle service contract to your members, to help in protecting them from unexpected vehicle repair costs. Because members are holding onto vehicles longer, MRC could be more important today than ever before. Use MRC to protect more members, more ways – and increase non-interest income for your credit union. Find out what plan best suits you! Call us at 928-753-8000 for more information.

Guaranteed Asset Protection - GAP

Guaranteed Asset Protection (GAP)

Talk to us today.
If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus with Deductible Assistance helps you get into your next vehicle by reducing your next loan at the credit union. Talk to us today about how we can help protect you from sudden out-of-pocket expenses.

Free Greenpath Debt Counseling

Financial Wellness.
Your path to a brighter tomorrow.

Learn more about GreenPath
Call Today 1-877-337-3399
Hablamos Espanol
Hours PSTGreenPath Financial Wellness. Call today for more information at 928-753-8000.
5 am – 8 pm M,W
5 am – 7 pm T, Th
5 am – 4 pm Fri
6 am – 3 pm Sat

Mohave Community Federal Credit Union has teamed up with GreenPath to bring you free debt counseling services. This is not a gimmick. And Yes, that is correct. We said: FREE debt counseling services. Still don’t believe it? Keep reading.

People Helping People. It’s the credit union philosophy. And it’s one of the main reasons Mohave Community Federal Credit Union has teamed up with GreenPath. Through comprehensive education and exceptional service, GreenPath has been assisting individuals for more than 50 years. GreenPath provides you with the education, resources and guidance to reach all of your goals.

Financial Counseling

  • Free financial counseling – without a sales pitch!
  • Understanding your personal credit report and how to improve your score
  • Debt repayment
  • Money management
  • Student Loan Counseling
  • Avoiding bankruptcy, foreclosure and repossession

Free Online Classes

GreenPath advisors are professional, compassionate and committed to helping others. They provide personalized and confidential financial counseling with customized action plans, FREE, at no charge to our members. No appointment is necessary; call 1-877-337-3399 today with questions or concerns about your finances.

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