Skip to content


We know that borrowing can seem risky. Put your mind at ease by using your MCT savings as collateral.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Use your MCT CU savings account or CD as collateral
  • Secured savings continue to earn dividends
  • Potentially lower interest rates; rates are 1.75% above CD or savings rate1
  • Loan amounts up to 95% of balance in the collateral account
  • Flexible terms that fit your budget
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

1APR = Annual Percentage Rate. Rates disclosed are current.

Complete up to 4 of our new Never Stop Learning Modules to earn up to 1.00% off your MCT CU Secured Loan. (Limit 4)1

Take your Never Stop Learning course today, provided by EVERFI.

1Subject to Credit Approval. Restrictions may apply.

Longer term options may be available. Ask an MCT Member Service Representative for details.