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Feel free to call (937) 498-1195
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Determine how much money you need and how you plan to use the funds for.
Calculate your estimated monthly payment based on the amount and a realistic rate.
Quickly get the money for all your needs. We'll guide you through the process.
"The customer service is awesome, and it’s the best bank around!"
-Jessica S.
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Are you consolidating debt, paying off medical bills, or planning a wedding? It is important to consider what you will use your personal loan for and estimate how much money you will need.
Our rates are based on your credit score, the loan amount, and other factors such as whether the loan is secured or unsecured.
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No matter your plans, you'll want to have an idea as to what your monthly payment will be. Our payment calculator helps show you what your payments could be depending on your interest rate, term, and loan amount.
No matter your plans, you'll want to have an idea as to what your monthly payment will be. Our payment calculator helps show you what your payments could be depending on your interest rate, term, and loan amount.
| Months | Baseline | Early |
|---|---|---|
| 0 | $10,000 | $10,000 |
| 1 | $9,129 | $8,521 |
| 2 | $8,232 | $6,997 |
| 3 | $7,307 | $5,426 |
| 4 | $6,355 | $3,808 |
| 5 | $5,373 | $2,141 |
| 6 | $4,362 | $423 |
| 7 | $3,320 | $0 |
| 8 | $2,246 | $0 |
| 9 | $1,140 | $0 |
| 10 | $0 | $0 |
Our loan officer will confirm your rate, guide you through the application process, and answer any questions you may have.
With secured loans, the bank places a lien on some sort of property that belongs to the borrower (car, motorcycle, certificate of deposit, etc.) so in the event that we do not get repaid for the loan, the bank has the authority to sell that property and try to recover its losses.
Unsecured loans are given based only on a borrower's promise to repay.
Unsecured loans are more risky for the bank because they do not have any collateral for the bank to hold as security. As a result, the interest rate on an unsecured loan is higher than if it were a secured loan, and the underwriting standards are stricter.
Here at Mutual Federal, we try to offer flexible financing terms to help people even if they have some credit issues. However, there are still times when we have to deny a loan.
If we can't help you today, our lenders will counsel you on things you can do to improve your credit so you can come back again and apply successfully in the future.
We never charge just for applying for a loan.
A personal loan will have $175 in total prepaid finance charges (a $75 origination fee and a $100 processing fee). The finance charges are only charged once, when your loan has been finalized. Fees can be financed into the balance of your personal loan which means if you take out a $2000 loan, you receive $1825 from Mutual Federal.
Definitely! We do not charge any prepayment penalties for paying your loan off early.
© 2025 Mutual Federal
121 S. Ohio Avenue
Sidney, OH 45365
Routing Number: 274970791
If you use links provided on the Mutual Federal website that redirect to a third party website, you are acknowledging that you are leaving www.mutualfederal.com and are going to a website that is not operated by Mutual Federal, a division of First Bank Richmond. Mutual Federal is not responsible for the content or availability of linked sites. Mutual Federal does not represent either the third party or the visitor if a transaction is entered. In addition, privacy and security policies may differ from those at Mutual Federal.
