Madison Credit Union

We pride ourselves on offering a full line of lending services to our members. Whether you need a new car, a new home or a dream vacation, we are here to help. You can calculate your needs first and then apply online or download a loan application.

You Don’t Have To Be A Member Yet

Auto Loans
Madison Credit Union offers competitive rates on new and previously owned vehicles. With terms up to seventy-two months for new cars, our loan department has an option that will fit your needs. Members falling into our A+ level credit score tier may qualify for discounted loan rates*. No penalties for paying back before the term of your loan.

*See a Madison Credit Union loan officer for details.

Recreational Vehicle Loans
MCU offers loans on motorcycles, boats, ATVs, Motor Homes, snowmobiles, jet skis and RVs. No matter what your recreational interest, MCU is here to help finance it with competitive rates and varying terms.

Signature Loan
Let your credit history be your collateral with a signature loan. Terms up to thirty-six months give you options for a payment structure to fit your needs. Get the money you need to consolidate debt, pay for school or home improvement expenses, or finance that dream vacation.

Home Equity Loans
Are you a homeowner? Use the equity in your home to receive lower loan rates. Consult a tax specialist because interest is often tax-deductible. Education, vacation, home improvement, vehicles and RVs - No matter the reason, get a loan by using your home equity.

Kwik Cash
Kwik Cash is a revolving line of credit. Once you’re approved, there is no fee to maintain the account until you’re ready to use it. With no annual fee and no per transaction fee, Kwik Cash is easier than a credit card. Be approved for up to $5,000.00 with a minimum disbursement of $250.00.

P.A.L. Loan (Protection and Loans)
A PAL loan is a revolving line of credit attached to your MCU interest bearing or fee free checking account. Once you’re approved, funds will automatically be deposited to your checking account to cover checks when funds aren’t available. There is no annual or per transaction fee. Funds may be transferred at will or automatically when checks are clearing your account.

Savings Secured Loans
This loan is ideal for the member attempting to build a credit history. Loans are granted based upon funds already in your MCU savings account or certificate. Loan rates are 2.5% above the savings rate you are currently receiving. On time payback allows you to build a good credit history without the high rates of a credit card.

Home Loans
While Madison Credit Union doesn’t offer new home purchases, our experienced loan officers can connect you with a reputable mortgage lender. Our partners Central States Mortgage and CU Members Mortgage are here to help you with your new home purchase.

Other Loan Services

1. Guaranteed Automobile Protection Insurance (GAP)
   Payment protection in the event of theft or accident where the vehicle is totaled and the amount owed on the vehicle is greater than the cash value of the vehicle.

2. Credit Disability Insurance
   Coverage provides security because it can help make loan payments if you become ill or injured.

3. Credit Life Insurance
   Coverage assures that your family will not be left with the burden of unpaid debt if you die. Coverage pays off insured loans in full.

4. Pre-Approval
   Find out ahead of time how much loan you qualify for.