Personal Loans
Easy Access to Needed Funds
We’re your partner through thick and thin.
When you need access to cash quickly, UFCU offers several low-cost options. Choose from fixed-rate, line of credit, or secured loans, and get terms up to 60 months.1
Whether the reason for your loan is planned or unexpected, we help you meet both your short-term and long-term goals.
A Financial Boost When You Need It
UFCU is a trustworthy partner through thick and thin. With excellent rates and no hidden fees, our Personal Loans1 are helpful for one-time expenses, holiday spending, taxes, or other bills.2
One option is a Personal Line of Credit1 that gives you access to emergency cash or extra overdraft protection. Transfer funds into your checking account to cover payments that exceed your available balance. Pay interest only on the amount you’ve used; your Line of Credit is automatically replenished as you make payments.
We also offer signature (unsecured) and share- or certificate-secured Personal Loans. With a secured loan, your current account serves as security, guaranteeing your loan and unlocking lower interest rates. Your account continues to earn dividends. We charge rates that are based on the dividend rate of the securing account. As you pay down the loan, the securing funds become available for your use.
A Personal Loan is an excellent alternative to payday loans. Don’t let a temporary bump in the road derail your path to financial health.
Signature Loan Rates
| Annual Percentage Rate (APR) based on your credit and risk score | ||||||
|---|---|---|---|---|---|---|
| Term | Excellent | Good | Average | Fair | Marginal | Low / No score |
| Up to 60 Months | 11.90% | 13.90% | 15.90% | 16.90% | 17.90% | 17.90% |
Personal Line-of-Credit Rates
| Annual Percentage Rate (APR) based on your credit and risk score | |||||
|---|---|---|---|---|---|
| Excellent | Good | Average | Fair | Marginal | Low / No score |
| 11.90% | 13.90% | 15.90% | 16.90% | 17.90% | 17.90% |
Related Products and Services
Financial Success
UFCU offers two programs that help you reach your financial goals: GreenPath and Credit Coach. Members have free access to both of these online programs to get financially fit.
Credit Builder Loan
Whether you’re just getting started on your journey toward financial health or working to get back on track, UFCU can help you build a solid credit history.
1 Subject to credit eligibility. Certain restrictions apply. Rates subject to change.
2 UFCU does not provide tax or legal advice. For such guidance, please consult a qualified tax and/or legal advisor.