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Loan Rates

Loan Rates

Rates subject to change at any time without notice.

Loan Rates
Effective Date: September 1, 2023
Terms up to:FICO Score APR[1]Payment per $1,000[2]
New Auto [3]    
24 Months 5.49% $44.10
36 Months 5.74% $30.31
48 Months 5.99% $23.49
60 Months 6.24% $19.45
66 Months 6.24% $17.95
72 Months 6.49% $16.81
84 Months 6.99% $15.10
96 Months 7.49% $13.89
Used Auto [3]    
24 Months 5.74% $44.21
36 Months 5.99% $30.43
48 Months 6.24% $23.60
60 Months 6.49% $19.57
66 Months 6.49% $18.06
72 Months 6.74% $16.93
84 Months 7.24% $15.22
96 Months 7.74% $14.01
Solar Loans[6][7]    
144 Month term (borrow up to $150,000)
Other rates and terms available.
5.49% $9.50
Personal Loan[6]    
Up to 60 months
Fixed rate (variable rate option available)
Borrow up to $15,000
10.90% $21.70
Personal Line of Credit[4]    
Up to 60 Months (variable rate)
Borrow up to $15,000
Share/Certificate Secured    
Up to 60 Months or Certificate term 3% above current share rate  
GoGreen Home Energy Loans[6]
60 month term
Other rates and terms available.
4.99% $18.87
Home Equity Line of Credit (up to 80% CLTV)[5]    
Introductory fixed rate as low as 4.99% APR[1] 
for 6 months.
Thereafter current variable APR
(WSJ Prime + .74% margin) as low as 9.24%
Purchases and Refinances
Call us for more information - 818.993.6328  

Other Loan Types available. Please call for information.


[1] All rates quoted by Annual Percentage Rate (APR). Rates quoted are lowest preferred rates based on a 720 or greater FICO Credit Score. Other rates available based on credit worthiness. Automatic payments required. Rates are subject to change at any time.

[2] Sample payment based on stated rate.

[3] AUTO LOANS: requires insurance coverage from a California admitted carrier; Comprehensive and Collision with $1,000 deductible. New autos up to 120% of invoice. The definition of a "New" auto is a current model year or prior model year with less than 10,000 miles. Used autos up to 120% of Retail Blue Book value, maximum age for vehicles 7 years. Used autos 8-10 years old up to 120% of Wholesale Blue Book value. We may finance out of state vehicles, franchise dealerships only.  We do not finance vehicles with mileage over 100,000. Car loan rates quoted include automatic payment discount of .50% and Platinum Membership discount of .50% for 1% total. Additional restrictions may apply.

[4] Variable rate based on one-year T-Bill 5.39% APR plus 8.75% margin.

[5] The MCCU Home Equity Line of Credit (HELOC) is an adjustable rate loan based on current Prime Rate as published in the Money Rates table of the Wall Street Journal (the Index) plus your Margin. The introductory discounted annual percentage rate (APR) is fixed for the first 6 months (180 days) after which the rate converts to the then current Prime Rate as published in the Money Rates table of the Wall Street Journal (the Index) plus your Margin and is then variable and subject to change.  The current variable rate starts at 9.24% APR and is accurate as of 8/1/2023, subject to change anytime. The quoted rates are based on 720 or higher FICO Credit Score. The annual percentage rate cannot increase by more than six percentage points (6%) above the initial rate and cannot decrease by more than one half of one percentage point (.50) below the initial rate.  The HELOC term is 25 years (10-year draw period). After the draw period ends, the outstanding balance must be paid over a 15-year repayment period. Minimum credit limit is $30,000. Property Insurance and a lien are required on the subject property. Fees range from $1,000 to $2,500, based on amount borrowed. Fees are waived with minimum $30,000 draw and if HELOC remains open for a minimum of 36 months, otherwise it will be required to pay fees at time of loan payoff. Consult your tax advisor regarding deductibility of interest. Rates, terms, and fees are subject to change without notice. MCCU membership required.

[6] Rate reflects a .50% discount for Automatic Payment.

[7] APR=Annual Percentage Rate. Rates subject to change at any time. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 720 FICO. Subject to credit approval and membership eligibility. Rate buydown fee may apply. Other rates and terms available. UCC1 lien will be recorded on property.


Energy Loans: Loans must qualify for GoGreen Home Energy Financing Program

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