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Loans
We make loans for every purpose, from vehicles to real estate to musical instruments. As a not-for-profit financial cooperative, our rates are generally lower than banks.

Vehicle loans
Loans for virtually anything that moves you, including cars, trucks, vans, SUVs, boats, RVs and motorcycles, all at terrific low rates.

New vehicle loans
Our great rates and flexible terms make your next car more affordable.

Used vehicle loans
We also offer excellent rates on used vehicles. Our frequent special used car sales are a great way to find high-quality, well-maintained used vehicles.

Refinances
Refinancing a high-interest loan from another lender could lower your monthly payment and total interest.

Classic auto loans
That '56 T-Bird or '70 Bonneville may be more affordable with our special classic car loans for vehicles more than 20 years old.

New and used RV and new boat loans
We finance the fun stuff too, at great low rates.

Mechanical Breakdown Insurance
Unexpected repairs can take a big bite out of your wallet, so protect yourself with MICU Mechanical Breakdown Insurance. We offer lower premiums and longer terms than dealers' extended warranty programs, while providing the same coverage.

GAP Insurance
If your vehicle is stolen or totaled, insurance generally pays only the actual cash value. You're responsible for any difference between what your insurance pays and what you still owe on your car loan. Guaranteed Auto Protection (GAP) protects you by paying this difference. Ask about it when you apply for an auto loan.

CarFax
Apply for an auto loan with Musicians' Interguild Credit Union and pay only $10 for the CarFax report. Please contact the credit union for further details, or go to the CarFax web page check out your cars history yourself.

Autoland - let a pro find your next car!
You live in Santa Monica and you're looking for a new car. You don't know it, but the exact vehicle you want is at a dealership in Monrovia. How do you connect? With Autoland's free, professional car search service! Just tell the Autoland representative what you want. They'll use their extensive network of dealers to find it, negotiate a great price, and even deliver it to your home or office! Call 213/ 482-3779 or 800/ 234-6999 or visit http://www.autoland.com/ To save time, apply for preapproval before you begin shopping.

MasterCardTM / Gold MasterCardTM / VISATM
With low fixed rates, no annual fee and worldwide acceptance, an MICU MasterCardTM / VISATM is the best choice for your credit needs. Our standard MasterCardTM features a 10.49% APR, our Gold MasterCardTM has an 8.99% APR, while our VISATM Card has a 13.5% APR. All cards come with these extra benefits:


Higher credit limits
Free rental car insurance
Purchase protection
Extended warranties
Free travel services

Apply
for an MICU MasterCardTM or VISATM and enjoy one of the best credit card values around.

Real estate loans
When you're in the real estate market, you want not just the lowest rates, but also the widest possible selection of loan options, as well as an experienced staff to explain those options to you. That's exactly what you get with West Coast Realty, our real estate loan provider. Call Kevin Wyart at (888) 386-3795.

Fixed or variable-rate first trust deeds
Choose a fixed rate for payments that never change, or a variable rate for a lower starting payment.

30-, 20- or 15-year terms
Own your home sooner and pay less interest with a 15- or 20-year loan, or get the lowest monthly payments with a 30-year loan.

Adjustable-rate mortgages with fixed-rate start
A fixed-rate for your choice of the first 3, 5 or 7 years for easier budgeting when you're starting out. After the fixed-rate period, annual and lifetime caps keep your mortgage payment reasonable.

No-point loans
You don't have to pay points to get a loan rate you can live with.

Zero down payment loans
You can become a homeowner even with no down payment.

VA, FHA and CHAFA loans
Special loans for veterans and low-income buyers.

EZ equity loans
Up to $15,000, 84 months, rate 1% less than signature loan rate. A quick and pain free Signature Loan for Homeowners. Please contact the credit union for more details.


Other loans

Variable-rate home equity line of credit
This revolving line of credit is based on the equity in your home. Taking an advance is as easy as writing yourself a check. The interest you pay may be tax deductible; consult your tax advisor.

Signature loans
An all-purpose loan secured by your signature and promise to repay.

Instrument loans
A special loan to help you obtain the tools of your trade.

Home improvement loans
Remodel your house into your dream home.

Unsecured line of credit
Write yourself an instant loan whenever you need it with this unsecured revolving loan.

Share-secured loan
Get the lowest MICU loan rate by using your deposits as security. This loan is ideal for building or rebuilding a credit history.

Overdraft protection loan
Whenever you write a check for more than is in your account, funds will be transferred automatically from your designated overdraft account (savings, MasterCard or line of credit) to checking.

Get an application 24/7
You can apply for any MICU non-real estate loan by printing out an application, then completing and mailing it to Musicians' Interguild Credit Union at 817 N. Vine Street, Hollywood, CA 90038-0610, or faxing it to 323/ 462-4411. Also, we now feature a new online application that you can fill out and submit to us over the internet, just see the top of the screen! Please make sure you have Acrobat Reader installed before you do an online application.

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