In order to apply for a loan at Mid Carolina Credit Union, the first thing you need is to get a membership of Mid Carolina Credit Union. Because the loan at mid Carolina credit union is only available to those who are members of Mid Carolina Credit Union.
The basic requirement is that any individual who belongs to the county “Kershaw” and “Richland” in a way that he/she may live or work or attend their school can earn the membership of mid carolina credit union and after the membership, a member of MCCU can apply for a loan at mid Carolina credit union.
If you get membership then you can easily apply for loan as a MCCU member. However, I have already written a post on how to become a member at Mid Carolina Credit Union. You can check that but if you’re already a member of Mid Carolina Credit Union, you can get an idea of how to apply or what type of information is required for a loan at Mid Carolina Credit Union from the following information.

Types of loan at mid carolina credit union
You can check different types of loan at MCCU and from there you can choose the best fits according to your needs. Now I’m sharing some best loan types of MCCU (Mid Carolina Credit Union). All the loans are being a part of consumer loan or mortgage loan.
- Share Certificate loan and share loan from MCCU
- Personal loan from MCCU
- Vehicle loan from MCCU like
- New or used auto loans
- Motorcycle loans,
- Boat loans
- Trailer loans etc
- Home loan
- Land loan
- Mortgage loan etc
Process to apply for loan at mid Carolina credit union
Mainly there are 2 types of loans are present at Mid carolina credit union. One is consumer loan and the another is Mortgage Loans. To apply for a loan at Mid Carolina Credit Union, you can follow these steps

- Visit the Mid Carolina Credit Union website and click on the “Borrow” tab.
- You will find consumer loan, home loan or apply for a loan
- You can also review the different loan options available, such as personal loans, auto loans, and mortgage loans.
- Choose the type of loan that best fits your needs and click “Apply Now.”
- Fill out the online loan application form with your personal and financial information.
- Submit the completed application and wait for a response from the mid carolina credit union.
- It’s also a good idea to gather any necessary documentation, such as proof of income and employment details, before starting the application process. This can help speed up the approval process and make it more likely that you will be approved for a loan.
If you have any questions or need assistance with the loan application process, you can contact Mid Carolina Credit Union for further assistance.
Mid Carolina credit union personal loan details
Loan at Mid Carolina Credit Union offers personal loans for a variety of purposes, including Debt Consolidation, home improvements, tuition fees, major purchases and more. Here are some details about their personal loans:
Loan amounts: The loan amount varies for different purposes. You should contact mid carolina credit union for more details.
Loan terms: Personal loan terms at Mid Carolina Credit Union is maximum 48 months.
Interest rates: Interest rates on personal loans at the credit union may vary depending on your credit score, the loan term, and other factors. The minimum interest rate is 9.90% and maximum 18.00% . You should visit Mid Carolina credit union site for more details.
Fees: Mid Carolina Credit Union may charge fees for personal loans, such as membership fees to join at MCCU which is $5, Wrong address fees, and late payment fees. For more details you should check MCCU fees
Eligibility: To be eligible for a personal loan at Mid Carolina Credit Union, you must be a member of the credit union and meet their credit and income requirements.
For more detailed information about personal loans at Mid Carolina Credit Union, including current rates and terms, you should visit their website or contact the Mid Carolina credit union directly.
Required information during filling up a personal loan form
You need to put several information during filling up a personal loan form at Mid Carolina credit union like

- Purpose of the personal loan (e.g home improvment, wedding, tuition fees, vacation purpose etc)
- The amount of loan you want
- Particular date when you’re applying for a loan
- Your first and last name
- If any co applicant is present then his/her first and last name
- Email address
- Phone number
- Your preferred time when MCCU can contact you
- Your address in details with the city, state, zip code etc (Only address required for co applicant if any)
- Your social security number (Required for co applicant if any)
- Your date of birth (Required for co applicant if any)
- Your income details etc
Loan rates for any loan at mid carolina credit union
The best way to get current and accurate information on loan rates is to visit the Mid Carolina Credit Union website or contact the Mid Carolina credit union directly. They will be able to provide you with the most up-to-date information on loan rates and terms.
It’s also a good idea to check around and compare loan rates from multiple lenders, as rates can vary significantly from one lender to another. This will help you find the best loan rate and terms for your specific needs.
Loan types | Loan rates |
Share loan from MCCU | Minimum 4.00% |
Personal loan from MCCU | Minimum 9.90% to maximum 18.00% |
Present year Auto loan for both New and Used | Minimum 4.99% to maximum 17.24% |
If Auto is 1 to 3 years old for both New and Used | Minimum 5.99% to maximum 17.74% |
If Auto is older than 3 years for both New and Used | Minimum 5.99% to maximum18.00% |
Land | ** if you choose 60 months period then 7% interest rate **if you choose 120 months period then 7.50% interest rates |
Mortgage | It always changes so please visit MCCU’s official site |
If you need more information about loan rates then you should definitely visit Mid Carolina credit union’s office or their site to check loan rates.
Disclaimer
midcarolina.org is just a blogging website and there are no relation with mid carolina credit union. The above post is written here is intended for educational purpose and its just a personal opinion of the author. So it advised, you should definitely visit mid carolina credit union branch or their official MCCU site for any loan related information.