Consumer Loans

CMCU offers loans for any financing needs.

Whether you want to buy a new car, buy a home, go on vacation, renovate your home or refinance an existing loan, we can help you get the loan that’s right for you, with competitive interest rates, fast pre-approval and no monthly fees.

Couple reviewing their new loan on their computer

Auto Loans

family in a vehicle

Finance your next new or used vehicle with competitive rates and great terms.


Recreational Vehicle Loans

family on a boat

From boats to ice houses, we'll find the right financing for your next recreational vehicle.


Personal Loans

happy couple in the kitchen

When you need a little extra cash for personal reasons, we'll help you meet your goals.


Home Equity Loans

Couple working on a renovation project

Use the equity in your home as a line of credit or loan to fund projects, vacations, or security.


Mortgage Loans

family moving into a new home

Our top-rated mortgage loan program will help you finance the home of your dreams.


Credit Card

consumer credit card

Cover day-to-day expenses or large purchases with one of our credit cards.


Your Perfect Loan Partner

competitive rates on loans

Competitive Rates

Every member is an owner at CMCU and dividends are returned through better rates on savings and loans and lower fees.

flexible terms on loans

Flexible Terms

Our team works with you to ensure you have the right terms fit for your budget and your lifestyle. We'll get you funded in no time.

easy repayments

Easy Repayments

Making your payments is a breeze through Digital Banking or the mobile app. Schedule a single payment or recurring payments.

Get Started!

Apply online

Apply Online

New Members: Complete an application online.


Current Members: Apply in Digital Banking.


Visit a local CMCU branch

Local Branch

Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.

View locations

Video chat with a CMCU team member

Video Banking

Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video Call

Call us on the phone


Contact Center
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482

Additional Products and Services

Check out all of your other options you can utilize with CMCU's suite of business products and services! Our business team will work with you individually to ensure you're on track to reaching your business goals.


From savings to checking and more.

Digital Banking

Manage your money on any device.

Financial Advisors

Set up your path to retirement or financial wellness.


Not a Member? Join us today!

  •  Wide variety of products
  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  •  Award-winning institution
  •  Low interest rates on loans
  •  High interest rates on savings
  • Free checking

become a member

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