Plan, Apply & Manage Your Loans
At Mohawk Valley Federal Credit Union, we want to make borrowing as simple and transparent as possible. Whether you are estimating monthly payments, checking current interest rates, applying for a new loan, or making a loan payment, explore our complete suite of member loan tools below.
Loan Applications & Current Rates
Quick Access to Rates, Terms, and Downloadable Application Forms
Ready to apply or compare our competitive borrowing options? Access our complete schedule of rates or download a printable loan application to get started.
View Loan Rates: Review current interest rates for new and used Auto Loans, RVs, Personal Loans, and more.
Download Loan Application: Fill out our standard loan application form at your convenience and submit it to a branch location.
Financial & Loan Calculators
Estimate payments and plan your borrowing budget
Use our interactive online calculators to explore loan scenarios before you apply:
Auto Loan Payment Calculator: Estimate your monthly payment based on purchase price, down payment, interest rate, and term length.
Personal Loan Calculator: See how much cash you can borrow and calculate fixed monthly payments.
Home Equity & Mortgage Calculators: Estimate your available equity and project home financing costs.
Debt Consolidation Calculator: Calculate how much you can save by combining high-interest credit cards into a single fixed-rate loan.
Convenient Loan Payment Options
Multiple Ways to Make Your Monthly Loan Payments on Time
We make it easy to pay your Mohawk Valley FCU loan using the method that fits your routine best:
Online & Mobile Banking Transfer: Transfer funds directly from your Mohawk Valley FCU Checking or Savings Account for instant payment.
Beyond Payment / External Transfer: Make your loan payment directly using a debit card, credit card, or account from another outside financial institution.
Automatic Direct Deposit / Payroll Deduction: Set up automatic recurring payments so you never miss a due date.
In-Person or By Mail: Pay by cash, check, or transfer by visiting our Utica or Marcy branches.
Annual Credit Report & Credit Health
Know Your Credit Standing Before You Apply
Your credit score plays an important role in determining your interest rate and loan terms. Reviewing your credit report regularly helps ensure your record is accurate, up to date, and free of errors.
Free Annual Credit Report: Federal law allows you to request a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every 12 months.
Check Before You Borrow: Reviewing your report ahead of time gives you the chance to correct potential errors and secure the best loan rate possible.