Loans & Credit Cards


New Home Loans

First Mortgages

Our Mortgage Team is composed of long term mortgage professionals committed to providing you with the right mortgage product for your families needs. What better place to borrow money to buy your home than your local credit union. On new or existing homes, you can save thousands of dollars with McCoy Federal's low rates. McCoy Federal offers low rate mortgages with 10, 15, 20 and 30 year terms.

Home Improvement Loans

Home Improvement Loans & 2nd Mortgages

If you plan to fix up your home, add or modernize a room, or install a pool, a Home Improvement Loan or a Second Mortgage can make your plan a reality.

Home Equity Loans

Home Equity Loans & Credit Lines

If you desire money for a specific need - college tuition, emergency medical bills, a once in a lifetime vacation - you can take advantage of the equity in your home with a McCoy Federal Home Equity Loan or Line of Credit.

Vehicle Loans

Vehicle Loans

We have low rate loans for new and used autos, trucks, vans, RVs, motor homes, motorcycles, even jet skis. Get pre-approved, so you can take advantage of sale prices and dealer rebates to save even more.

Personal Loan

Personal Loans

A personal loan from McCoy Federal allows you to borrow the money you need with only your signature as collateral. How you use the funds is entirely up to you. Use the money to solve a variety of personal financial needs, including bill consolidation, unexpected expenses, vacation, and more.

Lower your consumer loan rate by 1/4%* if you meet one of the following:

  • Have Direct Deposit of payroll or retirement funds
  • Have a McCoy Federal Visa Debit Card & Credit Card in good standing for one year or more
  • Have been a member of McCoy Federal Credit Union for 10 consecutive years

* Excludes Real Estate loans
Real Estate related loans may qualify you for tax savings - ask your tax advisor.