Don’t wait for the perfect moment—create it.
With our range of auto loans, credit cards and home equity loans, the opportunities are endless. And they’re all within your reach today. Start now and make the most of every moment.
Low rates, fast approvals and no roadblocks.
Low rates, fast approvals and no roadblocks.
Whether you’re seeking more room or extra vroom, our auto loans help drive you.
- Rates as low as 5.74% APR1
- Shop with a check in hand with our Pre-Approved Express Check
- Quick and easy online application and closing process
From home upgrades to life upgrades, start here.
From home upgrades to life upgrades, start here.
Open the door to possibility with a Home Equity Loan from Merck Sharp & Dohme.
- Rates as low as 5.74% APR2
- Fixed Term of 5, 7, 10, or 15-Years
- Fixed Rate
- Borrow up to 90%* of your home’s appraised value (less any outstanding mortgage balance)
- Schedule automatic monthly payments through Online or Mobile Banking
*Rates are higher on loans over 80% of loan-to-value (LTV).
Expand your spending power and elevate your lifestyle.
Meet the credit card that meets your ambitions. Our Visa® vigor™ Signature Rewards Credit Card offers credit limits up to $75,0005.
- Credit limit of up to $75,0005
- No Annual Fee and No Cash Advance Fees
- 0% APR on Purchases for 15 months from account opening3
- 0% APR on Balance Transfers for 12 months4
- Earn 3 CURewards® Points6 for every dollar you spend within first 3 months of account opening
Already an existing card holder? You qualify for a credit limit up to $75,000. Plus, you’ll earn 1.5 to 2 CURewards® Points for every dollar you spend.
1 Estimated monthly car loan payment per $1,000 borrowed at 5.74 %% APR is $19.21 for 60 months. Estimated monthly car loan payment per $1,000 borrowed at 5.99% APR is $16.57 for 72 months. Estimated monthly car loan payment per $1,000 borrowed at 6.49% APR is $14.84 for 84 months. Qualifying used vehicles model years 2017-2023. Rates are subject to change without notice. Subject to credit review. My Advantage discount does not apply. APR = Annual Percentage Rate.
2 APR = Annual Percentage Rate. Home equity loans are subject to a $150 non-refundable application fee. Loan to Value (LTV) maximum is 90%. Estimated monthly payment per $1,000 borrowed at 5.74% APR is $19.21 or 5 years and at 5.99% APR is $14.60 for 7 years and at 6.24% APR is $11.22 for 10 years and at 6.49% APR is $8.71 for 15 years. Rate 0.50% higher for 81%-90% LTV. Home equity loans are valid for properties in Pennsylvania and New Jersey only. My Advantage rate does not apply.
3 Rate is good for 365 days from account opening on purchases made within the first year from account opening. Afterwards, the account will return to the standard APR as described in your credit card agreement and disclosure.
4 Transferred balances will have a 0.00% APR for 15 months on balances transferred within the first 3 months of account opening with a 3% balance transfer fee. The rate is good for 90 days from the transaction date of the balance transfer. Afterwards, the account will return to the standard APR as described in your credit card agreement. Balance transfers are not eligible for rewards. Existing MSDFCU credit card and loan balances are not eligible for this promotion.
5 The $75,000 limit is an aggregate of all unsecured loans (Credit Cards, Personal Loans, Easy-Access Line of Credit, etc.) and is based on your credit. The limit you may borrow could be less if you have other unsecured loans with MSDFCU.
6 CURewards® Points: During the first 90 days from account opening, you will earn a total of 3 CURewards® points on every $1 spent on purchases. After the promotional period, point accrual will return to the standard tiered structure as described in your credit card agreement. Each month you will earn 1.5 points per $1 spent up to $1,500 in purchases, and you will earn 2 points per $1 spent on purchases above $1,500. Points can be redeemed for cash back, merchandise, gift cards, or travel. Cash redemptions start at 2,500 points, with no maximum on the amount you can redeem. Redeem your points at a rate of 1%, in any increment (for example, 2,500 points = $25.00).