Personal Loans Centered On You.

A personal loan is a great way to finance your vehicle|wedding|computer|vacation|home repairs|boat|recreational vehicle

Whether you are in the market for a car or truck, camper, boat, snowmobile or other recreational vehicle, CMCU can finance your purchase. We are centered on providing you with the financial products and services that are centered on your needs. Our convenient online application process requires only minutes of your time.

With solid credit, a personal loan can be used for almost any need, including things like vacations, weddings, computers, home repairs, medical expenses, paying your taxes, and much more.

  • Applications can be completed online, in a branch, or over the phone
  • CMCU's knowledgeable and friendly lending staff can help walk you through any situation
  • Our loan rates are low and competitive
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  • Same-day financing is available upon qualification
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Low rates on personal loans.


Your first step is to fill out an application. Good thing we have an easy online application for you!

Get Pre-qualified

After your application is submitted, a member of CMCU's lending staff will be in touch to finalize a few details and pre-qualify you for your loan amount.

Get Funding

Finalize the details and terms of your loan with the CMCU lending staff. Then sign the documents and get your funds!

Loan Calculator

This calculator will help you to compute a loan's monthly payment and total interest.

Loan Amount:
Interest Rate:
Monthly Payment:
Total Interest:

*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us.

Frequently Asked Questions

Do I qualify to be a CMCU Member?
Great question! Our members can qualify for membership very easily. You will just need to work, worship, go to school, or volunteer in one of the 18 counties of our field of membership. So, when you open your account with us, you will open a one-time $5.00 “Share” account which makes you a member of CMCU and an equal owner of our credit union. And if you ever decide to close your account, you will receive your $5 deposit back. You can learn more here.
How do I make loan payments?
How can I pay off my loan faster?
Is there an easy way to remember my payment due dates?
Are there additional warranties and services?

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 Loan Options

Check out some of the other consumer loan options available with CMCU:

Rec Vehicles

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Home Equity

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Credit Cards

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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

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To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver’s license or other identifying documents.

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