Quick Loans Without the “Gotchas”
UFCU is a trustworthy partner through thick and thin. Our mission is to help everyone achieve financial health. If you have a one-time expense, check out our Personal Loans. With reasonable rates and no hidden fees, these loans are helpful for one-time expenses such as home improvements, repairs, medical costs, or other family necessities. Or you can pay for holiday spending, taxes, or other bills. 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.
Learn more about the pitfalls of payday loans and how we can offer better options.
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Rates
| Annual Percentage Rate (APR) based on your credit |
|---|
Term
(Months) | Excellent | Good | Average | Fair | Marginal | Low /
No Score |
|---|
| Up to 60 | 11.90% | 13.90% | 15.90% | 16.90% | 17.90% | 17.90% |
Monthly payment per $1,000 borrowed: $22.70.
Minimum loan amounts may apply.
Put Your Savings to Work
We also offer Personal Loans that accept your current savings or certificate accounts as security, guaranteeing your loan and unlocking lower interest rates. Meanwhile, your accounts continue to earn dividends.
- Rates are 3% over the dividend rate of the account that secures the loan
- The hold on secured funds is reduced as the loan principal is paid down
Learn more about the difference between secured vs. unsecured credit.
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Questions? Give us a call.
Create A Buffer for Emergencies
UFCU’s Personal Line of Credit 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
Rates