Wise Choice Loans

Emergency cash – with a surprising twist!

Did you know that a loan from one of those payday lenders has an interest rate of 400% or more? That's no way to solve a cash crunch! Since we're a not-for-profit financial institution owned by our members, we're only financially healthy when you are. Marshall Community Credit Union members like you deserve safer, smarter options for emergency cash – something that helps, rather than makes the problem worse. MCCU's Wise Choice Loan has no application or renewal fees. Borrow up to $1,000 and repay over a period of 30-180 days. You pay a sensible rate of 18% APR, regardless of your credit score.


  • Member needs to be in good standing with the Credit Union.
  • Member must be employed for at least 1 year
  • Member must be at the same address for at least 1 year
  • Member must be 18 years of age or older
  • Minimum membership length of 6 months
  • Total monthly obligations, including payment of the proposed loan, should be below 38% of gross monthly income. Higher debt to income ratio exceptions may be made by the approving loan officer.


  • Loan amounts cannot exceed $1,000
  • Members are limited to four Wise Choice Loans per calendar year/per member.
  • Only one Wise Choice Loan may be outstanding at any given time.


  • Loan term length can range from 30-180 days
  • Monthly payments required, no balloon payments


  • Loans will have a fixed interest rate of 18%

To apply, just call, click the "Apply Now" button, or visit an MCCU branch today!

  • Provides you with the extra cash you need without the crippling interest rates.
  • Credit score does not determine qualification or interest rate.
  • Term lengths from 30-180 days available.
  • Easy application process and quick local decision.
  • Personal service from people you trust.