Loans
Online Lending 24/7
You can apply online 24/7, whenever it is convenient, even weekends and holidays! The average time for completing our application is only 3 minutes. After submitting the application we will provide you with a decision in less than 90 seconds.
Auto Loans
MAX offers attractive financing for any car, truck or van. Qualified borrowers may obtain lower monthly payments with financing up to 60 months. 72 month financing is available on vehicles with a purchase price of $20,000 or more. And, you can even get 84 month financing on vehicles with a purchase price of $35,000 or more.
Preapproval allows you to shop with confidence for these "larger ticket" items. Our Preferred Dealer Network allows you "one-stop shopping" and financing. Most of the new car dealerships in Montgomery, Prattville, Tallassee and Wetumpka participate. Insist on MAX financing.
Hybrid Auto Loan Rate Discount
Get 25 basis points (1/4 of 1%) off your MAX financing for any hybrid vehicle. Just apply online at myMAX.com as you would for any regular vehicle, and when a MAX associate contacts you to complete your loan, mention that you want the discount applied for your hybrid.
Home Loan Closing Discount
Get a closing fees discount of up to $1,000 for a new “Green” home first mortgage with a fixed rate and financing terms up to 15 years. Apply online at myMAX.com or with MAX’s Mortgage Services. Just ask a MAX Mortgage Services Specialist about how your new home can qualify as an energy efficient, “Green” home. Certain restrictions apply.
First & Second Mortgages
If you're purchasing or refinancing your home, MAX has a variety of home loans to offer. We will take a closer look at your individual situation and help you find the one that's best for you. Read more about MAX home loan options, then stop by and apply at your favorite MAX branch or APPLY ONLINE TODAY!
MAX only finances property within the state of Alabama. For questions, please contact our Mortgage Services department at 334.215.4861 or 1.800.776.6776, ext. 4861.
Home Loan Refinance
If you currently have a first mortgage with another financial institution and would like a lower rate, lower payments or different terms on your loan, apply for a new First Mortgage at MAX.
Home Equity Line of Credit
This revolving line of credit allows you to wisely use the investment you've already made in your home. It is available instantly when you need it and the interest may be tax deductible. Consult your tax advisor to determine you deductibility. Read more >
Student Loans
MAX's student loan program provides you with the highest quality service. Accelerated (pre-approved) loan processing is through the Federal Family Education Loan (FFEL) Program. Let your college know that your preferred lender is MAX, Your Community Credit Union, and give them our Lender Code Number, 813317. We provide loan origination, guarantee and disbursement services through our partnership with the Kentucky Higher Education Assistance Authority (KHEAA). You can also call the MAX Telephone Service Center at 260-2600 or 800-776-6776 for more information.
Local college financial aid links >
Boat & RV Loans
Variable rate financing is available for up to 120 months for a boat or RV. Boats and recreational vehicles with a purchase price of $20,000 or more may be financed at a fixed rate for up to 72 months.
Personal Line of Credit
A pre-approved personal line of credit is available to MAX members. It can be used for automatic overdraft protection on checking accounts or as quick loans for unexpected purchases. Your personal line of credit can be accessed in person, by check, by MAX ATM or by JennyMAX®.
Credit Cards
MAX offers you both VISA and Mastercard with no annual fee. You will also enjoy 0% interest if the balance is paid off within 25 days. Choose from several credit card options such as VISA or Mastercard Classic, VISA Platinum, Air University VISA or Mastercard Gold, or Air University VISA Platinum. MAX credit card accounts offer additional perks such as travel discounts, toll-free calling, cash advances, a protection plan and more!
Personal Computer Loans
Get connected with a MAX PC loan. MAX has a special low rate for personal computers. Check our low current rate on a $1000 minimum loan for qualified borrowers, regardless of where you purchase your computer. With your new PC, you can access your accounts online with myMAX Online Branch (Internet Account Access) at no extra charge. You will love the convenience! For fast service, call the MAX Lightning Loan Line and get pre-approved by telephone.
Share/CD Loans
Loans secured by your Share Account or CD may be used for any purpose and have lower interest rates than unsecured loans.
Other Loans
If you'd like a loan for household goods, debt consolidation or any other personal need, MAX has it. Rates and terms vary depending on the purpose of the loan and member qualifications. Whatever the reason for the loan, MAX rates are usually the lowest.
Payment Protection Coverage
Loan protection insurance offers a convenient, affordable way to make sure that your family or loved ones would not be saddled with the burden of a debt in the event of death or disability. MAX provides very affordable rates. Learn more >
Loan Calculators >
*Rates subject to change.
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