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  • Home
  • About Us
  • LoansLoans
    • Vehicle
    • Credit Card
    • Signature / Line of Credit
    • Share / Certificate Pledge
    • Loan Rates
    • Christmas Loans
    • Skip A Pay
    • Student Loans
    • Make a Payment
  • MembersMembers
    • About Us
    • Find a Location
    • Membership Application
    • In Our Community
  • ServicesServices
    • 24 Hour
    • ATMs
    • Access 24
    • FOCUS
    • MHFCU Mobile
    • CardValet
    • Cards
    • ATM/Debit
    • ATM/Debit Form
    • Credit Cards
    • Gift Cards
    • Travel Money
    • Money Orders
    • Payroll
    • Direct Deposit
    • Wire Instructions
    • uChoose Rewards
    • uChoose FAQs
    • Credit Sense
  • ResourcesResources
    • GreenPath
    • Newsletters
    • TruStage
    • VISA Online Access
  • SharesShares
    • Share Accounts
    • Vacation Club
    • Christmas Club
    • Share Draft Accounts
    • Free Share Draft
    • Prime Share Draft
    • Square One
    • Investing
    • Share Rates
    • Certificate Rates
    • Kids & Teens
    • Request ATM/Debit Card
    • Order Checks
  • FOCUSFOCUS

Loans

Thanks to our competitive rates, you may be able to save a substantial amount over the life of your loan. In fact, you may want to consolidate your older loans and high-interest credit card debt into a lower-rate loan. You may reduce your monthly payments, improve your credit rating and save on interest.

Visit Loans Main Page

Members

The MHFCU family is made up of Methodist Healthcare associates, affiliates, and their families. Methodist Healthcare Federal Credit Union is on a mission to serve our members with one goal in mind… "To always be responsive to our members' financial needs by providing personal and innovative services of a superior quality."

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Services

At Methodist Healthcare Federal Credit Union, we offer convenient, round-the-clock services to our members. Learn about the many services MHFCU has to offer. You can even search for the nearest branch or ATM, or apply for a Credit Card, Gift Card, or Travel Money.

Visit Services Main Page

Resources

Need to look up the value of a vehicle, or catch up on MHFCU News? We’ve got all the resources you need, including information on MHFCU student loans and VISA credit cards. We even provide our members with free educational services like GreenPath Finacial Wellness. 

Visit Resources Main Page

Shares

Learn more about our Share (Savings) and totally free Share Draft (Checking) accounts here, and take a look at our Share Rates. MHFCU also offers special savings accounts like our Christmas Club, Vacation Club, Smart Start (Ages 0-9), Savvy Saver (Agest 10-13), and Centsible Savings & Checking (Ages 14-18) accounts. You’ll also find information on MHFCU Share Certificates, IRAs, and Share Certificate Rates.

Visit Shares Main Page

Focus

FOCUS stands for Financial Online Credit Union Services. With FOCUS, you can view your account virtually any time, anywhere. All you need is a secure browser and a password to access all of your account information. Log in to FOCUS to manage all your accounts.

Visit Focus Main Page

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Focus Quick Links

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  • Loans (2)
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      • Skip A Pay Application
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    • Credit Cards
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Need a Quick Loan?

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Loan Rates

 

Performance Plus Lending Rates as of 10/01/2025

 

 

SECURED LOANS

NEW AUTOS, BOATS, MOTORCYCLES, ETC.

SCORE

850 - 800

A - Exceptional

799 - 740

B - Very Good

739 - 670

C - Good

669 - 580

D - Fair

579 - 300

E - Poor

0 – 24 MO

4.75

4.99

6.49

10.49

14.99

25 – 36 MO

4.99

5.49

6.99

11.49

15.49

37 – 48 MO

5.49

5.99

8.49

12.49

15.99

49 – 60 MO

5.99

6.49

8.99

12.99

16.49

61 – 72 MO

6.49

6.99

9.99

13.49

N/A

73 - 84 MO

6.99

7.49

10.99

N/A

N/A

 

USED AUTOS, BOATS, MOTORCYCLES, ETC.

SCORE

850 - 800

A - Exceptional

799 - 740

B - Very Good

739 - 670

C - Good

669 - 580

D - Fair

579 - 300

E - Poor

0 – 24 MO

5.49

5.99

7.49

11.49

15.99

25 – 36 MO

5.75

6.49

7.99

12.49

16.49

37 – 48 MO

6.25

6.99

9.49

13.49

16.99

49 – 60 MO

6.99

7.49

9.99

13.99

17.49

61 – 72 MO

7.49

7.99

10.99

14.49

N/A
73 - 84 MO

7.99

8.49

11.99

N/A

N/A

 

 

UNSECURED LOANS

SIGNATURE, LINE OF CREDIT, CREDIT CARD

SCORE

850 - 800

A - Exceptional

799 - 740

B - Very Good

739 - 670

C - Good

669 - 580

D- Fair

579 - 300

E - Poor

 

8.99

9.99

 11.99

14.99

 17.99

 

HOME EQUITY LINE OF CREDIT

 

 

PRIME

7.25%

 

 

SCORE

850 - 800

A - Exceptional

799 - 740

B - Very Good

739 - 670

C - Good

 669 - 580

D - Fair

579 - 300

E - Poor

0 – 80% LTV

8.25%

8.75%

10.75%

12.75%

14.75%

80 – 100% LTV

9.25%

9.75%

12.75%

14.75%

16.75%
not currently available

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Contact Us:

Methodist Healthcare Federal Credit Union
Mailing Only: 7130 Goodlett Farms Pkwy
Suite 105W
Cordova, TN 38016

Phone: (901) 453-3500

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