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Rates
Loan Rates
Vehicles, Personal, Share Secured, VISA Cards
| Loan Type | APR* as low as | Term |
| New and Used Vehicle (2013 - 2018) | ||
| 1.99% | up to 60 mo. | |
| 3.89% | up to 72 mo. | |
| 4.89% | up to 84 mo. | |
| Used Vehicle (2008 - 2012) | 5.59% | up to 60 mo. if retail value over $10,000 |
| Used Vehicle (2003 - 2007) | 6.99% | up to 48 mo. |
| New ATV/Snowmobile/Motorcycle (2018 listed as new or within 6 mo. of new) | 1.99% | up to 36 mo. |
| New ATV/Snowmobile/Motorcycle (2018 listed as new or within 6 mo. of new) | 2.79% | up to 48 mo. |
| New ATV/Snowmobile/Motorcycle (2018 listed as new or within 6 mo. of new) | 3.29% | up to 60 mo. |
| New ATV/Snowmobile/Motorcycle (2018 listed as new or within 6 mo. of new) | 3.99% | up to 72 mo. |
| Used ATV/Snowmobile/Motorcycle (2008 - 2018) | 1.99% | up to 36 mo. |
| Used ATV/Snowmobile/Motorcycle (2008 - 2018) | 2.99% | up to 48 mo. |
| Used ATV/Snowmobile/Motorcycle (2008 - 2018) | 3.99% | up to 60 mo. |
| Used ATV/Snowmobile/Motorcycle (2008 - 2018) | 4.99% | up to 72 mo. |
| New Camper/Boat (2018 listed as new or within 6 mo. of new) | 2.99% | up to 60 mo. |
| New Camper/Boat (2018 listed as new or within 6 mo. of new) | 3.99% | up to 72 mo. |
| New Camper/Boat (2018 listed as new or within 6 mo. of new) | 4.99% | up to 84 mo. |
| New Camper/Boat (2018 listed as new or within 6 mo. of new) | 5.49% | up to 120 mo. |
| Used Camper/Boat (2008 - 2018) | 3.99% | up to 60 mo. |
| Used Camper/Boat (2008 - 2018) | 4.99% | up to 72 mo. |
| Used Camper/Boat (2008 - 2018) | 5.99% | up to 84 mo. |
| Older Camper/Boat (2004 - 2007) | 6.99% | up to 48 mo. |
| Older Camper/Boat (1997 - 2003) | 7.75% | up to 42 mo. |
| Signature Loan | 10.99% | 0 to 60 mo. |
| Co-Maker Loan | 8.99% | 0 to 60 mo. |
| 50% Secured by Shares | 9.60% | 0 to 60 mo. |
| 100% Secured by Shares | 2.00% over current savings or share certificate rate | 0 to 60 mo. |
| VISA Credit Card | 10.90% |
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.
Click Here to apply online for a Credit Union loan, or Click Here to contact us for more details.
Mortgage & Home Equity Rates
| Loan Type | APR* as low as | Term |
| Home Equity | 3.75% | 5 Year |
| 4.40% | 10 Year | |
| 4.75% | 15 Year | |
| Mortgage Loans | Varies | 15, 20 & 30 year |
NMLS ID# 422133 (*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.
Click Here to contact us for more details.
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Online Banking
Important notice:
Mountain Laurel FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 814-834-9518. All products and services available on this website are available at all Mountain Laurel FCU branch locations.
Protect Your Identity Now!
Just when you think you are safe, the Equifax data breach happens. 143 million records were potentially compromised containing over 200,000 credit cards. Affected consumers are at risk from criminals using stolen information to fraudulently open accounts. This means that the most pressing and immediate threat with this breach is identity theft.
It’s difficult to entirely prevent identity theft, however, as a member of Mountain Laurel FCU, you can lessen your risks and sleepless nights by subscribing to an identity theft protection and restoration service through SHERPA® Identity Protection.
SHERPA® is a comprehensive ID protection solution that includes:
| • 24/7 dark web monitoring |
| • Social security and address trace |
| • Credit score monitoring and tracking |
| • Full service restoration and lost wallet services |
| • Up to $1 million in identity theft insurance, and more! |
Ensure your identity is safe! Visit https://www.sherpaidentitytheftprotection.com/?PCD=034 or talk with a member service representative today!
You can trust in Mountain Laurel Federal Credit Union and Sherpa to help keep your personal information protected.
Please remember that Mountain Laurel FCU will NEVER contact you via phone, letter, e-mail or text message to tell you that you can lower your interest rates, ask for your account numbers, user names, passwords, PINs or Social Security number. If you are suspicious of any communication you received from the credit union, please don't hesitate to verify it by calling us at (814) 834-9518.
Competitive mortgage financing
from the credit union you trust
Mountain Laurel FCU in partnership with OwnersChoice, is pleased to announce our mortgage financing program. Whether you’re purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service.
Our mortgage program features:
| •a secure online application process; |
| •expanded loan programs; |
| •low interest rates and closing costs; and |
| •expert support and assistance throughout the entire process. |
All MLFCU mortgage loans are serviced through OwnersChoice, a full-service mortgage corporation serving credit unions in the greater Northeast.
If you are looking for competitive mortgage financing from a lender you can trust, stop by your local office or contact us at 814-834-9518.
Are you traveling?
If you are planning on a vacation or just getting away for the weekend, please be sure to contact the credit union to have an alert put on your Debit and/or Credit Cards.
Please click here to enter your requested insurance information.
Our new Mobile App is now available!
Download today from the App Store or Google Play
Affordable Health Insurance Offer
Loan Specials
Vehicles for Bid
Items for Bid
EVENTS
NEWS
2018 Scholarship Winners announced
Your Online Banking Experience Just Got Even Better!
Are you ready to go Mobile? The App is ready!
AskAuto app is now ready for download
2018 HOLIDAY CLOSURES
| Labor Day | Monday | September 3rd |
| Colombus Day | Monday | October 8th |
| Veterans Day | Monday | November 12th |
| Thanksgiving Day | Thursday | November 22nd |
| Christmas Day | Tuesday | December 25th |
Access your account 24-7 with phone banking, online banking or our mobile app!
Mountain Laurel FCU is now accepting bids for the following:
The Mountain Laurel FCU is now accepting bids for the vehicle listed above. This vehicle may be viewed at the credit union office at 413 S. Michael Street, St. Marys, PA. By placing a bid on this vehicle, you will accept it in its present "AS IS" condition and relieves the Mountain Laurel FCU of any further responsibility whatsoever in connection with the condition of this vehicle. No representation, promise, or warranty expressed or implies with respect to the merchantability, suitability, or fitness for the purpose intended of this vehicle. The Mountain Laurel FCU reserves the right to accept or reject all bids.
Last date of bid:
Today's Mortgage Rates
ROUTING / ABA NUMBER:
231385798
VOICE RESPONSE TELLER:
(814) 834-4874
(877) 286-5328
VISA CUSTOMER SERVICE:
(800) 442-4757
DEBIT / ATM LOST / STOLEN:
(814) 834-9518
DEBIT CARD AFTER HOURS & WEEKENDS:
(888) 467-7001
