Loans

The credit union offers a variety of loans to meet the needs of its members. Our rates are comparable to, or lower than other commercial lending institutions. Reasonable terms with options of payroll deduction, auto transfers, ACH, or coupon book make loan repayment less of a burden. There is no penalty for prepayment or early payoff of loans. Also, Debt Protection is available at a minimal cost to qualifying members and is underwritten by CUNA MUTUAL Insurance Group and is available to credit union members only through Moonlight Credit Union.

Our rates are the best around (but if not), we will always look at matching rates. 

Apply online (click link below), stop in during business hours to apply, or contact the lending department by telephone.

New & Used Auto Loans/Motorcycles/RVs

  • We finance new & used autos, RVs, ATVs, & 4 X 4s

  • Term repayments available to fit your budget

  • Payment protection options include Life Insurance, Disability Insurance, and Unemployment Insurance

  • GAP Insurance and Vehicle Warranty provides worry-free ownership and driving

IWS Extended Warranty

Enjoy peace of mind vehicle ownership with IWS’s Extended Warranty. An extended warranty allows you to continue enjoying worry-free driving well past the manufacturer’s warranty. Even better – you can roll your extended warranty into Moonlight CU financed auto loan payments.

IWS Extended Warranty Benefits

  • Premiums can be included with your auto loan payment

  • Coverage is transferable to subsequent owners

  • 24-hour claims line

  • 60-day money back guarantee

  • Repairs

  • Towing

  • Roadside Assistance

  • Rental

  • Travel Expense Allowance

To learn more about our extended warranty offer, please visit the credit union or call us at (724) 297-3084 or visit IWSGroup.com.

Indirect Auto Loans

You can now finance your new car at participating auto dealerships.

Home Equity Loans

  • Finance repayment up to 180 months

  • Payment protection options include Life Insurance, Disability Insurance, and Unemployment Insurance

  • Use the equity in your home to borrow for:

    • Home Improvement

    • Debt Consolidation

    • Purchase a Vehicle

    • Wedding/Honeymoon or Vacation

    • College Tuition

    PLEASE CALL US @ 724-297-3084 OR STOP IN THE CREDIT UNION TO OBTAIN AN aPPLICATION

Signature Loans

Simple small loans for smaller needs, such as:

  • Taxes

  • Appliance replacement

  • Car Repairs

  • Vacation

  • New Toys

  • Holidays

  • Graduation

  • Other Needs

Other Secured Loans

Lower interest rates borrowing against your savings or certificates of deposit for whatever your needs.

Student Loans

Whether you’re an undergraduate or graduate student, get money for school from Moonlight Credit Union in partnership with Sallie Mae®.

  • Competitive interest rates

  • Multiple repayment options

  • No origination fees; no prepayment penalty¹

Smart Option Student Loan® for Undergraduate Students

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments and how much the student expects to earn in the future before considering a private student loan. These loans are made by Sallie Mae Bank or a lender partner. Moonlight Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

¹Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

VISA Credit Cards

  • Transfer higher rate credit card balances to a Moonlight card January 1, 2024 - March 31, 2024 and pay only 4.90% APR. This is a fixed rate for the full repayment of the transferred amount.

  • Fixed Rate of 9.9% APR*

  • No annual fee

  • Contactless Tap & Go Cards

  • 10-day grace period from due date to prevent a late fee

  • Life, Disability, & Unemployment Insurance is available

LOST OR STOLEN CARDS: CALL 1 (800) 991-4961 AND BLOCK YOUR CARD!

Please call the credit union and update your phone number on file to avoid any disruptions in usage. Our fraud watch may temporarily freeze your card if your spending habits change, when charging more than $1000 per day, or when out of the country.

Please notify us prior to traveling so we can put a travel notice in for you. This will help ensure there are no issues for out-of-state spending.

View and manage your credit card online with eZCardInfo.com!

 

Why You Should Have A Moonlight VISA…

Has Your Credit Card Company Increased Your Rate And/Or Lowered Your Limit? Do you pay an annual fee?

REASONS WHY YOU SHOULD SWITCH TO A MOONLIGHT CREDIT UNION CREDIT CARD:

  • Low 9.9% APR*

  • No Annual Fee

  • Access to your credit card with your Online Banking

  • Easier to make your monthly payments (transfer from your Moonlight account or set up auto payments or payroll deductions)

  • Face or Touch Id account access

  • You control your card – You can turn it on when you need it and keep it turned off to prevent fraud when you are not using it

  • Free monitoring of transactions – you will get a text every time your card is used with SecurLOCK

  • SecurLOCK is a free app that gives you the ability to say when, where, and how much your card can be used for

  • Lower your monthly payments, save tons of interest that you pay those higher-rate credit card companies

Let us help you improve your cash flow….CALL US,  STOP BY TODAY, or APPLY ONLINE!

SecurLOCK 

It Is All In Your Hands | Now You Have The Control

You now have full control of your Visa Credit Card with SecurLOCK.  Download the free app on your iPhone or Android and you can:

  • Turn your card on or off (helps protect from fraudulent transactions when you least expect it)

  • Face & Touch ID to the program

  • View your card details and latest transactions

  • Set alerts and controls (be notified upon usage attempts, set spending limits, control where the card can be used with the ability to block specific merchants or online use

  • Alerts will tell you the amount, merchant name, reason for alert, merchant city/state, & if the transaction was denied, it will provide the reason for denial

  • You can set location controls (restrict out-of-the-country transactions)

 
SecurLOCK Equip

Get a Free Credit Report

Each WEEK you are eligible for a free credit report from the three national credit bureaus: Equifax, Experian, and TransUnion. Free reports are available through a dedicated website, by telephone at (877) 322-8228, or by mail. Click the following link for yours and for mail-in forms https://www.annualcreditreport.com/cra/requestformfinal.pdf

We recommend requesting your free credit report each year.

Loan Calculator

Please note this calculator is for informational purposes only.