Loans

**REMEMBER** If you are mailing in a loan or Visa payment to our Middletown location , please remit to our new address:  357 E Main St., Middletown, NY  10940

MPO Federal Credit Union Understands Your Desire For a Great Home Loan That Meets Your Needs!

Whether you are considering refinancing or purchasing a home, we are ready to help. As a valued member of MPO Federal Credit Union you have access to great online mortgage planning resources to help you make the best choices for your home loan needs. Our online Home Loan Center also provides many answers to frequently asked questions about the process of applying for your mortgage and also what to expect after you apply. The tools it provides can help you find out if you can save money by refinancing, get an idea of what your monthly payment would be, and other important information. You can even sign up to receive rate information by email on a regular basis.

In addition to our online tools, our expert team of Home Finance Consultants is also ready to answer your questions and review our home loan options with you. Your dream home or thousands of dollars in home loan savings may be a phone call away. Call us today at 800-249-3322 or visit our Home Loan Center at  to learn more about MPO Federal Credit Union’s variety of home loan programs.

CLICK HERE to check out our GREAT HOME LOAN RATES.

CLICK HERE to begin your HOME LOAN application process.

*Contact the credit union for complete terms and conditions.

MPO Federal Credit Union is proud to offer an array of lending products. Whether it's a planned purchase or an unexpected emergency, MPO has the right loan for any situation. Our rates are most competitive and our terms are flexible.

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• Skip to Apply for a Loan

MPO isn't just about helping you finance your next auto - we're here to provide tools to help make your decision a bit easier.

Loan Basics

• Skip to Mortgage and Home Equity Loans
• Skip to Loan/Credit Types
• Skip to Loan/Credit Rates
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• Skip to Apply for a Loan

MPO's Mortgage and Home Equity Solution

CLICK HERE to check out our GREAT RATES.

CLICK HERE to begin your application process.

• NEW Mortgage Programs including our unique 6/2 ARM Program

• NEW Home Equity Programs - ask about our 5/5/FLEX Equity Loan

GAP Insurance

GAP insurance is a fantastic idea for those members considering purchasing a new vehicle. GAP insurance will insure one for the difference between what you would owe for a vehicle and what your insurance company would say it's worth. For instance, if you should be in an accident where the vehicle is a total loss, you would be responsible for the difference if you owe more than the insurance company is willing to pay.

Ask any rep about adding GAP Insurance to YOUR vehicle loan.

Something to consider:
Check with your insurance company - your policy may include a GAP policy already. 
Some new vehicle dealers do provide GAP insurance - however - you may be paying a premium price for that product. Be sure to shop around - ask questions and don't feel pressured by the dealer without checking your sources first.

Loan and Credit Types

• Home Equity Line of Credit
• 5-Year fixed Rate Home Equity
• Mortgage Loans
• Line of Credit
• Vehicle (New and Used)
• Recreational - RV, ATV or Boat
• Signature
• Education
• Home Improvement
• Loan Specials
• Share Secured
• Overdraft Line of Credit
• Visa Credit Card
• Visa - Secured Credit Card

Loan and Credit Rates

Click here to see our Loan and Credit Rates:

• Loan/Credit Rates - Requires Adobe Acrobat Reader

Loan Process

MPO is committed to providing you with the best rates and the best service in town. In recent months, we've tweaked our lending policies and streamlined our paperwork reinventing our lending process. We think you'll find our lending process a convenient way to borrow.

How Do I Apply for a Loan?

If you currently have an open loan on file with us, just give us a call and explain your needs. We can update your current information and have you on your way quickly.

If you are a first time applicant, you don't have an open loan with us or are applying for an MPO Visa credit card, there are several different ways you can get your loan approval process started:

• Complete an Online Application.
• Stop into any branch and complete an application.
• Call us and we'll fax or mail you an application.

All loans will require an application on file as well as proof of employment and income. In addition, specific loans will need specific information. Click on the link below to view this information:

• Loan/Credit Rates - Requires Adobe Acrobat Reader

MPO is an equal opportunity lender. Risk based pricing is in effect. All loans and requests for credit require proof of income and credit report check.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the US Government
NCUA National Credit Union Administration, a US Government Agency

Send mail to admin@mpofederal.org with questions or comments about this web site.
**MPO Federal Credit Union is strongly committed to protecting the security and confidentiality of our member account information. The addresses provided above are meant for general information sharing. NEVER indicate any account information (member number, social security, debit or credit card numbers and the like) when contacting the credit union via email. This is NOT a secure environment for that type of information. We strongly encourage you to call into the credit union if you have a specific account problem that needs to be addressed. If you utilize MPO Online, you can send a secure message thru that system to the credit union.**
Copyright © 2008 MPO Federal Credit Union
Last modified: 06/09/11