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Pay us back with your joy.

The look on your face after seeing your dream kitchen for the first time. Your family’s excitement heading up to the lake for a day on the water. Those are the returns that inspire our service to you.

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iconAuto Loans

We can help with financing for a new or used car. Our auto loan process is simple and quick.

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iconBoat/RV Loans

Our boat/RV loans can help make your recreational dreams come true. See if you qualify!

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iconMotorcycle Loans

Ready to hit the open road on a motorcycle? We can get you there.

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iconPersonal Loans

Need to finance a major purchase or pay for a wedding? Choose one of our personal loan solutions.

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iconHome Equity Loans

Finance a college education, medical treatment or any other major expense with our flexible home equity loans.

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iconHome Equity Line of Credit

With a home equity line of credit (HELOC), you can finance important personal purchases anytime you need.

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You Have Options

Our Credit Cards

MutualBank is your source for credit cards that save time, money and give you rewards that UChoose!

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Information Online

Credit Card Services

800-994-2726

Credit Card Fraud Prevention

800-661-4232

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Why Mutual?

Reasons for choosing MutualBank

iconRelationship Driven

Some banks compete on rates but we prefer to focus on the relationship and making sure you get the loan that works best for you and your needs.

iconLocal Decisions and Payments

Decisions about loan approvals happen down the street from you, not across the country. And all funds originate local and stay local.

iconLoyalty Pricing

We value your loyalty and reward our customers with special discount loan rates.

tried & trusted

What Our Customers Say

MutualBank made it easy to be able to meet all of the adoption costs head on, and continue to pursue our dream to be a family.

jill_and_josh_cooper
JILL & JOSHUA COOPER
Read the Cooper's Story

I have always been treated with respect at MutualBank. I have been a loyal customer of theirs for over 20 years, having financed 2 homes and a few vehicles. I know I am getting the best service around from MutualBank and you will too.

LUANN POLING

We have Answers

Personal Loan Frequently Asked Questions

  • How does my credit score impact my personal loan interest rate?

    How does my credit score impact my personal loan interest rate?


    Customers with high credit scores are most likely to qualify for the best rates. The difference in rate will differ depending on the type of loan. Other factors, such as the age of a car being financed or the ratio of the loan amount to the value of your property for a home equity loan, also impact the rate.
  • How can I track the status of my loan application?

    How can I track the status of my loan application?


    One of our bankers will contact you shortly after we receive your application, and you can plan on phoning or emailing them directly. However, if you don’t have their contact information available, you can email click to e-mail and we will follow up to answer your questions.

  • What factors contribute to the approval of an auto or personal loan?

    What factors contribute to the approval of an auto or personal loan?


    MutualBank has established underwriting guidelines that look at the financial capacity and history of applicants. These guidelines include the applicant’s history of making payments on other loans and credit cards, their stability of income, and their amount of total debt compared to income.
open
How does my credit score impact my personal loan interest rate?
x
How does my credit score impact my personal loan interest rate?
Customers with high credit scores are most likely to qualify for the best rates. The difference in rate will differ depending on the type of loan. Other factors, such as the age of a car being financed or the ratio of the loan amount to the value of your property for a home equity loan, also impact the rate.
open
How can I track the status of my loan application?
x
How can I track the status of my loan application?

One of our bankers will contact you shortly after we receive your application, and you can plan on phoning or emailing them directly. However, if you don’t have their contact information available, you can email click to e-mail and we will follow up to answer your questions.

open
What factors contribute to the approval of an auto or personal loan?
x
What factors contribute to the approval of an auto or personal loan?
MutualBank has established underwriting guidelines that look at the financial capacity and history of applicants. These guidelines include the applicant’s history of making payments on other loans and credit cards, their stability of income, and their amount of total debt compared to income.

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Need Help?

ALL FINANCING SUBJECT TO CREDIT APPROVAL

MutualBank provides mortgage and consumer loans for almost any purpose. MutualBank serves customers in its market area only, and reserves the right to deny any account application on that basis. You have the right to file a written loan application and to receive a copy of the association's underwriting standards. Rates are subject to change without notice. *Certain exceptions may apply consult a tax advisor regarding the deductibility of interest.

*Loyalty Pricing is a discounted rate available for current customers on direct auto, boat, RV, motorcycle and closed-end home equity loans.

**You have the right to file a written loan application and to receive a copy of the association's underwriting standards. Rates are subject to change without notice.