Municipal Credit Union - Beloit, Wisconsin  
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We pride ourselves on being your full service financial partner.  We offer a complete line of deposit and lending products as well as convenient member services.  With questions or to begin any service, please contact the credit union.

We have friendly loan servicing for anyone in our membership area.  Inquire today for great rates and hometown service.  Contact us with questions or to speak with a Loan Specialist for any of your lending needs. 


GAP helps cover the difference between the actual cash value of the vehicle (primary insurance company settlement) and the outstanding loan balance at Municipal Credit Union at the time of loss. This protection can be purchased after loan origination as long as you have not experienced a total loss due to collision or theft. However, it is not retroactive and the coverage goes into effect the day the GAP is purchased and covers the remaining term and balance. On new loans all Frost GAP programs have a Free Look period where the borrower can receive a full refund for any reason within 60 days. After the Free Look period the $280.00 charge for GAP is non-refundable.                      See an example of GAP protection.

 Credit Union Auto Club

Current Rates (Updated 01/01/2015) Rates subject to change.

Make your dreams of Home Ownership a reality!

Municipal Credit Union, in our partnership with Consumer Loan Services is now offering a “mortgage checkup” or a “mortgage preparation plan”. This will help our members to be in an optimal position to either refinance or purchase a home in the future. CLS will discuss with you “where you are now” and what you may “need to do” to put yourself in a position to obtain the best interest rate and terms for your mortgage loan and the steps you should take to ensure this success. Please contact Kristi at CLS for more information.

Kristi Wookey Mortgage Loan Consultant, NMLS #291212
 Consumer Loan Services, LLC NMLS #200020
 811 Monitor St. l La Crosse, WI 54603
 Office: 608-791-1527 l Fax: 608-782-3240
 email: Kristi Wookey



We are pleased to announce that we will refinance your home for up to 20 years at 3.4% with very low closing costs. Other options are 15 years at 2.9 % and 10 years at 2.75%. Appraisal required if borrowing more the 60% of the Fair Market Value of your home.

Please call the credit union for more details.

Private Student Loans

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The Municipal Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap  between federal loans and the cost of your education expenses.

The Smart Option Student Loan features and benefits:

New interest rate type for current Academic Year. We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility.

Borrow up to 100% of school certified education costs (minimum $1,000)

Multiple in-school repayment options available

Borrower benefits available – like rewards and interest rate reductions

Rates that reward creditworthy borrowers

Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate

Fast Online Application. Our easy-to-complete application takes about 15 minutes. It's quick and easy.

24/7 online account management

No prepayment penalty. 

To learn more or to apply click the box below!         *We are compensated for the referral of Smart Option Student Loan customers.


Inquire about a Loan or Credit Card

First and Second Mortgages

Auto Loans 

Personal Loans

Loans for all types of vehicles, boats, recreational equipment, campers, RVs, vacations

KwikCash-Line of Credit Loans

Mastercards - Inquire about a Credit Card       

Other loans for any legal purpose 


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Copyright 2009 Municipal Credit Union

NCUA Insured, Equal Housing Opportunity