Loan Rates
Competitive rates designed with our members in mind. Explore our current loan rates and find the financing solution that fits your needs.
Apply for a Loan Contact UsPerformance Plus Lending Rates as of 7/2/2026
Whether you're financing a vehicle, applying for a personal loan, or looking for a credit card, MHFCU offers competitive rates to help you achieve your financial goals.
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Jump directly to the loan rates you're looking for.
New Vehicle Loans
Competitive financing for new cars, trucks, SUVs, boats, motorcycles, RVs, and more.
| Term | A 850-800 | B 799-740 | C 739-670 | D 669-580 | E 579-300 |
|---|---|---|---|---|---|
| 0–24 Months | 4.75% | 4.99% | 6.49% | 10.49% | 14.99% |
| 25–36 Months | 4.99% | 5.49% | 6.99% | 11.49% | 15.49% |
| 37–48 Months | 5.49% | 5.99% | 8.49% | 12.49% | 15.99% |
| 49–60 Months | 5.99% | 6.49% | 8.99% | 12.99% | 16.49% |
| 61–72 Months | 6.49% | 6.99% | 9.99% | 13.49% | N/A |
| 73–84 Months | 6.99% | 7.49% | 10.99% | N/A | N/A |
Used Vehicle Loans
Competitive financing for previously owned cars, trucks, SUVs, boats, motorcycles, RVs, and more.
| Term | A 850-800 | B 799-740 | C 739-670 | D 669-580 | E 579-300 |
|---|---|---|---|---|---|
| 0–24 Months | 5.49% | 5.99% | 7.49% | 11.49% | 15.99% |
| 25–36 Months | 5.75% | 6.49% | 7.99% | 12.49% | 16.49% |
| 37–48 Months | 6.25% | 6.99% | 9.49% | 13.49% | 16.99% |
| 49–60 Months | 6.99% | 7.49% | 9.99% | 13.99% | 17.49% |
| 61–72 Months | 7.49% | 7.99% | 10.99% | 14.49% | N/A |
| 73–84 Months | 7.99% | 8.49% | 11.99% | N/A | N/A |
Personal Lending Rates
Signature Loans, Personal Line of Credit, & VISA® Credit Cards.
| A 850-800 | B 799-740 | C 739-670 | D 669-580 | E 579-300 |
|---|---|---|---|---|
| 8.99% | 9.99% | 11.99% | 14.99% | 17.99% |
ℹ️ Rate Information
- Rates shown are Annual Percentage Rates (APR).
- All loans are subject to credit approval.
- Approved rates are based on creditworthiness.
- Rates are subject to change without notice.
- Additional terms and conditions may apply.
Frequently Asked Questions
How is my interest rate determined?
Your interest rate is based on several factors, including your creditworthiness, the type of loan you're applying for, the loan term, and other underwriting criteria. Once your application is reviewed, we will determine the best rate you qualify for.
Are these fixed or variable rates?
Most MHFCU loan products featured on this page offer fixed interest rates, meaning your monthly payment remains consistent throughout the life of the loan.
Can I refinance my current loan?
Yes! Refinancing your existing loan may help you lower your monthly payment, reduce your interest rate, or adjust your loan term.
Are there any prepayment penalties?
No. MHFCU does not charge a prepayment penalty on our consumer loans, so you can pay off your loan early or make additional principal payments at any time without penalty.
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Whether you're financing a vehicle or borrowing for life's unexpected expenses, MHFCU is here to help with competitive rates and personalized service.
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