Personal Loan/Line of Credit

If you have credit card balances with high rates then a UCU Personal Loan and Personal Line of Credit Loan may be the perfect option to consolidate your high interest rate card balances into one lower rate loan.

UCU’s Personal Loan and Line of Credit Loan are versatile because they can be used for just about anything you choose!

Personal Loan:

  • Low, fixed Annual Percentage Rate (APR)
  • Choose between different repayment terms
  • No application fee
  • Borrow as little as $500!
  • One-time disbursement
  • Convenient online application!

Personal Line of Credit Loan:

  • Low, variable Annual Percentage Rate (APR)
  • No application fee, annual fee or cash advance fees
  • Payments based on balance
  • Borrow as little as $500!
  • Line of Credit ready to use when you are! No cost until the funds are disbursed!
  • Self-service: Use eBranch or Fone-Teller to transfer funds to your UCU account when you need them.
  • Convenient online application!
Disclaimer: Rates are subject to change without notice. Loan issued subject to credit review. To establish membership you must deposit at least $5 to a Regular (Share) Savings Account. Rates  based on the Index, which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. The current index for this quarter is 4.75%. Rate is subject to change quarterly. Maximum APR is 18.00%. Minimum Payment $25.00. Payment is 2% of the outstanding balance. Loan Payment Example: $20.00 per $1,000.00 borrowed with minimum of $25.00. The annual percentage rate may vary after the account is opened. Contact UCU for complete details.