Share-Secured Loans

Make your own Loan Term 

Competetive Rates

Repayment Options 
with Fee-Free Skip Payments



   Up to 90% of Pledged Amount

   Variable Terms based on your needs 

   As low as 1.50% APR




Current Share-Secured Rates

60 Months

1.50 %



Price per  $1,000.00 Borrowed 

(1.50% Applicable to terms of 12-60 Months)

120 Months

2.50 %



Price per $1,000.00 borrowed 

(2.50% Applicable to terms of 72-120 Months)

180 Months

3.50 %



Price per  $1,000.00 borrowed 

(3.50% Applicable to terms of 132-180 Months)

More Terms Avaliable

12 Months | 1.50 % APR∗

$84.02 Price per Thousand

24 Months| 1.50 % APR∗

$42.33 Price per Thousand

36 Months | 1.50 % APR∗

$28.43 Price per Thousand

48 Months | 1.50APR∗

$21.48 Price per Thousand

60 Months | 1.50% APR∗

$17.31 Price per Thousand

72 Months | 2.50APR∗

$14.98 Price per Thousand

84 Months | 2.50% APR∗

$12.99 Price per Thousand

96 Months | 2.50% APR∗

$11.51 Price per Thousand

108 Months | 2.50% APR∗

$10.35 Price per Thousand

120 Months | 2.50% APR∗

$9.43 Price per Thousand

132 Months | 3.50% APR∗

$9.14 Price per Thousand

144 Months | 3.50% APR∗

$8.52 Price per Thousand

Additional Terms Available

Contact a Representative for Estimates

What are you waiting for?



MRFCU's Main Office is Located at:

346 Sunrise Highway
West Babylon NY 11704


For nationwide convenient access, find a location closer to you!


Main Office:




After Hours Debit Card Support:


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Auto Loans

MRFCU offers a range of Automobile Loans:

  1. New & Used Purchase
  2. Private or Dealer Sales
  3. Lease Buyout & Refinances
  4. Equity Cash-Outs

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Auto Loans
Personal Loans

MRFCU Whether for Vacation, Home Improvement, or Bills, our flexible personal loan program is perfect to get you the funds you need.

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Personal Loans
Debt Consolidation

Save yourself the hassle and interest payments, consolidate your high interest cards and debts into one lower-interest easy-to-manage debt consolidation loan.

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Debt Consolidation

Our In-House mortgage programs provide you with a diverse options of home lending, from 1st Mortgages of up to 40 year terms, home equity loans, and short term investor mortgages.

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Mortgage Loans
Student Loans

In partnership with SallieMae, MRFCU is now offering Student-Loans. Find the best option for you!

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Student Loans
Boat Loans

We are happy to offer loans for Boats and Recreational Vehicles to our members! Let us help you enjoy yourself!

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Boats & RVs