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Personal Loans

PERSONAL LOAN

Need a Vacation? Ready to start that bathroom remodel? Or, maybe you have some debt you'd like to consolidate into one low payment? Members can borrow up to $25,000, for up to 60 months for any purpose (based on credit history). For more details visit our loan department or click here to apply online.

HEALTH SAVINGS ACCOUNT (HSA) LOAN

With the increasing costs of medical plans, low premium, High Deductible Health Plans are becoming more popular because they help reduce the high costs of insurance. If you have a High Deductible Health Plan (HDHP), MSEFCU is here to help! In addition to our Health Savings Account that helps ease those out of pocket medical expenses, we offer an HSA Loan* to help fund the account at a preferred rate. Rates and details. You can borrow up to the maximum amount allowed for individual coverage or for family coverage. If you are over the age of 55 you can borrow an additional $1,000.

Our Health Saving Account and HSA Loan can give you peace of mind in dealing with out of pocket medical expenses, in addition to helping you build financial security.

For more details visit our loan department or click here to apply online.

FAQ

ENERGY EFFICIENT LOAN

You can lower your gas and electric bill and make your home energy efficient by investing in items like solar panels, energy efficient windows & appliances, hot water heaters, air conditioning & heating units, gas fire places, insulation & more. There is no appraisal required and no application fee to apply. You may also be eligible for a tax credit (see your tax advisor). So save some green by going green with a great low rate starting at 5.99% APR*. What a great way to start conserving energy, see our Loan Department for details or click here to apply online today!

*APR=annual percentage rate based on credit history and includes rate reducing option of .50% for automatic transfer or payroll deduction. 84 payments of $14.61 per $1000 borrowed. The Amount to be borrowed is determined by your credit history. Must own the home and be your primary residence. Purchases must be energy efficient. Equal Housing Lender. Rates, terms and conditions subject to change.

DROUGHT RESISTANT LOAN

Let us help you save water with our Water Wise Loan. California is in the most severe drought we’ve ever seen and we want to help! Investing in items like artificial grass, drip irrigation, drought friendly landscaping, rotating sprinkler nozzles and weather based irrigation control systems is a great way to start conserving water today. Keep more of your hard earned dollars in your pocket and let Mother Nature refill her resources! You can do all this with a great low rate starting at 5.99% APR*. See our Loan Department for details or click here to apply online today!

*APR=annual percentage rate based on credit history and includes rate reducing option of .50% for automatic transfer or payroll deduction. 84 payments of $14.61 per $1000 borrowed. The Amount to be borrowed is determined by your credit history. Must own the home and be your primary residence. Purchases must be energy efficient. Equal Housing Lender. Rates, terms and conditions subject to change.

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More information on our products, services or feedback on our Web site | Phone: 209-383-5550 or 800-542-2345 | Fax: 209-383-2308 | Email Us


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