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Mortgage Loans

Mortgage Loans

We hope to help make your dream of a first home or a new home a reality. First Mortgage Real Estate Loans can only be financed for a maximum of 30 years.

  • Competitive rates

  • Favorable terms

  • Purchase Money Loans

  • Refinance

 

Home Equity

Members Choice has a Home Equity Loan Program that is perfect for when you’re planning to remodel or spruce up your current home. Our Home Equity Loans can cover your remodeling expenses, spring projects, or perhaps debt consolidation to meet your monthly obligations. Home Equity Loans may qualify for mortgage interest deductions on your itemized Federal Tax Return.

  • Appraisals are required

  • Financing up to 80% of your total loan to value available

Home Improvement

If you are in dire need of replacing your roof or repairing any part of your home and need the money right away, try our Home Improvement Loan Program. Home Improvement Loans are similar to Home Equity Loans, but with a faster processing time as an appraisal is not needed. Simply provide an invoice from the contractor performing your home improvements and we will pay them directly. Financing is not to exceed a maximum amount of $25,000.00 and a 5-year term.

The home pictured below is a real home located on the West Side of Charleston that was renovated using a Home Improvement Loan funded by Members Choice!

Members Choice WV FCU logo

Where you've made the right choice!

Membership

Enjoy ownership & benefits.

At MCWV, you’re not just another number in line. We are a member-centric, full-service financial institution prepared to service all of your financial needs with a personal touch. We embrace the credit union difference as a not-for-profit organization by providing quality financial products and services, including great, low loan rates and terms. As a member, you’re also an owner of the credit union and will always have voting rights, receive dividends and be part of the support given to your community.

Become a Member

Rates

Lock in your low rate today!

Take advantage of:

  • Credit Card rates 10% below industry average with great rewards
  • 100% First Time Home Buyer Program
  • Competitive New & Used Automobile Rates
  • Personal & Business Loans


View All Rates

VISA 3D Secure

Access & Convenience

An additional layer of identity verification before authorization. 3-D Secure (3DS) enables the exchange of data between the merchant, card issuer, and, when necessary, the consumer, to validate that the transaction is being initiated by the rightful owner of the account.


Online enrollment coming!

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