Get Money Back for On-Time Payments
That’s money you can use to pay off your loan sooner, cover everyday expenses, invest in yourself, and so much more! Because you deserve to be rewarded for good (financial) behavior.
Ready to get started?
Find a financing solution that fits your needs.
Eligible Loans and Financing Options
Home Loans
Make your real estate goals a reality – buy your dream home or purchase the land to build it.
Home Equity Loans and Home Equity Lines of Credit (HELOC)
Access flexible financing for planned projects or unexpected expenses.
Explore Home Equity Loans and Lines
Personal Loans and Lines of Credit
Get help covering life’s expected (and surprise) expenses.
Explore Personal Loans and Lines
Auto Loans
Buy a vehicle, refinance your loan, or cover a repair.
Recreational Vehicle Loans
Finance your next adventure, whether it’s on the water or an open road.
Find the checking solution that suits your lifestyle.
Eligible Checking Accounts
My Prize Checking
The ultimate rewards account – earn high dividends up to specified limits and access great perks.
Get more money in your pocket with My Prize Checking.
- Earn 7.00% APY2 on balances up to $777
- Be entered into drawings to win monthly and quarterly prizes3
- Have access to other exclusive perks when you meet qualifications
My Relationship Checking
Get your paycheck up to two days early.
My Marine Checking
No monthly fees or minimum balance with free overdraft protection.
Meet qualifications and get ready for money back!
(e.g., on-time payments, direct deposit, maintain a good standing account)
Questions about My Loan Rewards?
Explore our FAQs below or contact us. We’re here for you and happy to help!
My Loan Rewards works in three steps:
- Secure financing from MCU with an eligible loan or line of credit.
- Open an MCU checking account.
- Meet program qualifications:
- Consistently make on-time loan payments.
- Have a direct deposit of at least $500 each month into an MCU checking account.
- Keep your MCU checking account in good standing.
Once qualifications are met, you’ll receive 10% cash back on the interest you pay per loan up to $75 per quarter ($300 per year), deposited into your MCU checking account.
NOTE: Existing members will be auto-enrolled.
Existing members will be auto-enrolled in My Loan Rewards. Then, you’ll need to meet program qualifications to earn rewards:
- Make on-time loan payments.
- Have a direct deposit of at least $500 each month into an MCU checking account.
- Keep your MCU checking account in good standing.
In April, July, October, and January, MCU will evaluate your loan, verify that the loan payments were made on time, and that the loan is still open. Additionally, MCU will check that your checking account meets the direct deposit requirement and is in good standing. If so, you’ll receive 10% cash back on the interest you pay per loan up to $75 per quarter ($300 per year), deposited into your MCU checking account.
We want to invest in you – and chart your course to financial freedom!
1This offer is available to new and existing loans (existing members will be auto-enrolled). To qualify for My Loan Rewards, loan payments must be made on time and have an MCU checking account with a direct deposit of at least $500 each month. In April, July, October, and January, MCU will evaluate the loan, verify that the loan payments were made on time, and that the loan is still open. Additionally, MCU will check that the checking account meets the direct deposit requirement and is in good standing. If so, the member will receive 10% cash back on the interest you pay per loan up to $75 per quarter ($300 per year), deposited into your MCU checking account. Employee loans and salable mortgages (correspondent loans) are not eligible.
2Annual Percentage Yield (APY) accurate as of 09/01/2025. A dividend rate of 6.78% will be paid on your account balance of $777 or less when qualifications are met, resulting in an APY of 7.00% for the dividend period. Account balances over $777 will be paid an APY of 0.10% when qualifications are met. If all requirements are not completed and/or posted in any given calendar month, the entire account balance earns 0.00% APY. Fees may reduce earnings. Monthly qualifications: ACH direct deposit(s) of $500 or more to your checking account, enrollment in eStatements, and a minimum of fifteen (15) purchases using your debit card. (ATM transactions and debit card transactions processed by merchants and Point of Sale (POS) transactions are not included.)
3NO PURCHASE NECESSARY TO ENTER OR WIN. Void where prohibited. Open only to permanent legal residents located in the states of IL, IA, MN, WI who are legal age of majority (& at least 18) at time/date of entry. International and corporate transactions ineligible. Ends 11/20/2026. To enter by mail without making a purchase & receive (1) entry, hand print your complete name, mailing address, telephone number, date of birth, & the words “Marine Credit Union Debit Sweepstakes” on a plain 3”x 5” piece of paper, & mail it in an envelope with proper postage affixed to: Marine Credit Union Debit Sweepstakes, PO Box 309, Onalaska, WI 54650. Odds of winning a First Prize will depend on the number of eligible entries received for each applicable Entry Period. Odds of winning a Grand Prize will depend on the number of eligible entries received for each applicable Quarterly Period. Ends 11/30/2026. For Official Rules & complete details visit www.marinecu.com/my-prize-sweepstakes.