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Welcome to the McHenry County Federal Credit Union website.

Thank you for visiting. You have arrived at this page because you clicked our ad on the NW Herald website.


Taking advantage of a Low Rate New Vehicle Loan with MCFCU and the Rebate from the Dealer gives you two ways to SAVE.  With rates as low as 0.99%* for a new vehicle, you could get that new vehicle for even less. 

Use our compairson worksheet to see if you could save on the purchase of a New Vehicle, CLICK HERE! If the form does not work correctly within your browser Right Click on the linke and save a copy to your computer then open the PDF.


Get Pre-Approved:    If you know the maximum loan amount you are looking for, we can pre-approve your application.

Check other rates:  Click Here to view all of our rates for both New and Used Vehicles.


Not a Member? No Problem.  Anyone who lives, works, worships or goes to school in McHenry County is eligible to open an account with a minimum deposit of just $25.00.  Click Here to get started.

Other cost effective offers with your MCFCU Loan:

Protect your credit, property and family should something happen to you with Credit Disability and/or Credit Life insurance, GAP (Guaranteed Asset Protection) and MRC (Mechanical Repair Coverage)

Credit Disability insurance can protect your credit score should you get sick, injured or disabled, regardless of any other insurance or employer benefit plan, by making your monthly loan payment until you are able to return to work.

Credit Life insurance will give you peace of mind.  Should the un-thinkable happen, your spouse, family or next of kin will not have to worry about becoming responsible for the repayment of your loan.  The full outstanding balance will be paid off and the rightful heir will inherit the collateral without any payment obligations.

The premiums are based on the amount borrowed, term of the loan, interest rate and will be included in your monthly payment.

GAP (Guaranteed Asset Protection)

Ever wonder what happens if you are in an accident and your vehicle is totaled but the amount from the insurance company is less than your loan balance?

The answer is: YOU have to pay the difference.  GAP insurance can eliminate your responsibility for the difference.  For a one time premium usually less than $200.00, which can be added to your new loan, you can have peace of mind.

MRC (Mechanical Repair Coverage)

Looking for an extended service product for your vehicle that won't cost more than the vehicle is worth?  Want to avoid costly out-of-pocket repairs?

Check with one of our loan officers about MRC coverage.  Available for New or Used vehicles. With or without an outstanding balance.  With several service levels and mileage choices, we have the coverage that is right for you!

Stop by one of our offices to apply or Click Here to print an application.  Current MCFCU members using our home banking can sign in to your account and complete an application on-line.  Current MCFCU members not using our home banking can get access by clicking the Enroll Now link in the member login box.

* Terms and conditions apply.  Not all who apply may qualify. Minimum credit score and down payment required.  Dealer rebates count towards down payment amount.  Proof of income required with all applications.  Dealer purchase agreement and additional documentation required depending on type of loan.  Talk to one of our loan officers for more information.