Share Secured

This loan is designed to borrow against your share account balance to provide you with a lower rate than an unsecured loan.

Term

APR
36 months 6.00%
 

Signature Loans

This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **

Term APR
36 months 9.90% to 18.00%

 

New Autos

Financing your new auto with your credit union is the way to go. Take the rebate offered by dealership and finance with us, you are guaranteed to save. 100% of Retail Value. 2006 - 2007

Term APR
Up  to 72 months as low as 5.95%

 

  

Used Autos

We will finance Loan Value or average retail / trade-in/loan value.

Term APR
60 months 6.95%
54 months 7.00%
48 months 7.00%
36 months   8.95%
Classic Cars 12.00%

Model years financed as used:

Year Model Max. Financing
2006, 2007, 2008 60 months
2004 and 2005  54 months
2003 48 months
2002 36 months
Classic Cars 36 months

 

Helping Hand Loans

This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **

Term APR
6 pay periods  18.00%
   
** The Fair Isaac score on the member's credit report determines the rate on the signature loan.  Rates may change weekly.  Request permission to change all rates to meet market demands.  Mortgage rates to be determined every Tuesday or daily, if necessary. *** Loan subject to credit approval.  APR is Annual Percentage Rate.

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Loan Amount

Yearly Interest Rate

Loan Period (in months)

Payment

 
MORTGAGE CALCULATOR 
    
  
This calculator calculates monthly mortgage payments based on principal, interest and term.  Replace the numbers in the boxes with appropriate numbers for your expected mortgage amounts.  The payment amount calculated is an approximation and may vary from the actual payment amount disclosed.
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If you are not currently a member of MSCU ,  you will need to join before we can process your loan request.

There are two ways to fill out the loan application form. You can choose to download the PDF and either fax or bring in the completed form. Our fax number is 1-423-431-2900. You will need Adobe Acrobat Reader in order to download or view the PDF application. If you do not have Acrobat Reader, please click the icon below for a free download of the software. Also, please be sure to sign your completed application. 

    Forms are in PDF Format.
Loan Application for First  Time Loan with MSCU -   Page 1
Loan Application for Annual update -     Page 1   
 
     
 
  EMAIL MEMBER SERVICES •   memberservices
  HOSPITAL OFFICE •   400 North State of Franklin Road                                      Johnson City, TN 37604                                                               423-431-6361                                                                                   Business Hours: Monday, Tuesday, Thursday, Friday: 7:30 - 4:00 PM Wednesday  7:30-12:00
  NORTHPOINT BRANCH OFFICE •   1021 West Oakland Avenue                                               Johnson City, TN 37604                                                               423-952-3120                                                                                     Business Hours: Monday, Tuesday, Thursday, Friday: 7:30 - 4:00 PM Wednesday  7:30-12:00