A loan that fits your life

Credit union personal loans starting at 12.49% APR*. Borrow up to $50,000.

Life happens. Your friend announces a destination wedding. You need new
appliances. You want to adopt. When a major milestone pops up, a credit union personal
loan is the hassle-free way to take care of it.

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Always fast. Always free to apply for personal loans online

Apply online, through live chat or visit a branch. We’ll get you a quick approval and the funds will be yours fast! There are no application fees and no fees for paying your loan balance early. Use the personal calculator to see how much you can save each month.

Apply online Personal loan calculator

What are some of the benefits of a personal loan?

Consolidate debt

If you have high-interest credit cards making your life difficult, consider getting a credit union personal loan to lower your interest rates. Bring everything into simple, single monthly payments. We’ll even pay off your balances for you.

No surprises

Personal loans are consistent. The rate you get today doesn’t change. If you buy items with a “no-interest” store credit card and miss a payment (or don’t pay off your full balance during the term), your rates could skyrocket.

Take a break. Skip a payment.

Skip your personal loan payment once every 6 months up to five times over the life of your loan. Skipping your payment won’t ding your credit score. Start your “Skip-a-Pay” directly through online + mobile banking.

Personal loan calculator

Use the quick personal loan calculator to figure out your monthly personal loan payment. Insert the amount you want to borrow and how many months you want to take to repay it (up to 60).

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Loan Calculator

Deposit Calculator

Loan Amount ($):

Rate (APR %):

Term: Format: 12m, 36m, 3y, 7y

What are people saying?

“My husband and I were able to complete a personal loan application and be funded within 24 hours. They are helping with a plan for credit repair and starting a business. Wonderful to work with!”

Barb D.
Member

Frequently asked personal loan questions

How do personal loans differ from credit cards?

Personal loans provide a lump sum with fixed monthly payments and a set repayment term, making costs predictable. Credit cards offer a revolving line of credit that you can borrow from repeatedly up to your credit limit. Personal loans often have lower interest rates for larger expenses, while credit cards are typically better for everyday purchases and short-term borrowing.

What is a personal loan and how does it work?

A personal loan is a type of installment loan that lets you borrow a fixed amount of money and repay it through regular monthly payments over a set period. Interest rates are typically fixed, making payments predictable throughout the loan term.

What should I consider before applying for a personal loan?

Before applying for a personal loan, consider the interest rate, fees, monthly payment, and total cost of borrowing. Review your credit score, income, and budget to ensure you can comfortably make payments.

Can personal loans be used to consolidate debt effectively?

Yes, personal loans can be an effective way to consolidate debt, especially if they offer a lower interest rate than your existing balances. Consolidation combines multiple debts into one loan, simplifying payments and potentially reducing interest costs. However, success depends on securing favorable terms and avoiding new debt while repaying the loan.

^{*APR=Annual Percentage Rate. Rates as of 7.1.2026 and subject to change. Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval. See if you’re eligible to join the credit union here. For assistance opening accounts, applying for loans and other general inquiries, start a live chat during normal business hours.}