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Personal Loans

We understand that everyone's loan needs are different. That's why we offer a variety of low-cost personal loan options up to $25,000 to fit your needs and help you achieve your goals! Contact UCU by email or 800 696 8628 for more information.

Personal Loan Rates

Loan TypeAPR as low as*Min Loan AmountMax Loan Amount
Personal Loans7.99%$500$25,000
Program Details: Interest rates above apply to unsecured loans for personal purposes such as debt consolidation, home improvements, vacation and energy assistance. Loans for <$7,500 have a maximum term of 48 months. Loans for >= $7,500 have a maximum term of 60 months. *Annual Percentage Rate (APR) for the above loans will vary based on borrower's credit worthiness and selected term. Our loans are risk-based priced to determine the interest rate. Please contact a UCU Consumer Loan Originator for more information.

Credit Builder Loan

Need to rebuild your credit? Or maybe you are trying to build your credit from the ground up. Either way, UCU's Credit Builder Loan may be just what you need! Contact UCU by email or 800 696 8628 for more information.

Secured Loans

Need cash? Our secured loans offer you the ability to get cash when you need it. Our share secured loans give you the ability to borrow against funds in your share or share certificate accounts. Do you own something that can be used as collateral for your loan? New or used, UCU can lend against that collateral and work with you to satisfy your needs! Contact UCU by email or 800 696 8628 for more information.

Possibilities Include:

  • Share Secured Loan
  • Share Certificate Secured Loan
  • Secured Loan - backed by new collateral
  • Secured Loan - backed by used collateral

Linebacker Overdraft Protection

Our linebacker overdraft protection is a line of credit that helps stop those occasional charges that cause your checking account to overdraw. Cover your checks from insufficient funds and protect yourself from check writing errors. Loan advances are made in $100 increments and credit limits are available up to $1,000.