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Personal loans and credit lines for whatever life brings.
Life happens, and when it does, we aren’t always ready. That’s when it may be time to consider a personal loan or line from United Trades FCU. Whatever your reason for needing funds fast—appliances on the fritz, car unexpectedly giving you problems, a baby on the way—a United Trades FCU personal loan can fit the bill.
- Borrow up to $20,000 in a low-rate personal loan or line of credit.
- Secure your loan or line with your United Trades FCU savings account.
- Use your loan or line for any purpose.
Your United Trades FCU personal loan or line is designed to save you time—and money.
- Access competitively low members-only rates.
- Receive fast confirmation on approval status.
- Pay off your loan ahead of schedule with no penalty.
Trying to figure out how much you can—or should—borrow? Use one of our handy calculators.
Loans EFFECTIVE Monday, January 18, 2021
| Loan Type | APR as low as | Maximum Term* | Info |
|---|---|---|---|
| Lifeline Loan | 6.50%* | 30 months | If you are facing a financial hardship due to COVID-19, you may qualify for up to $5,000. 0% introductory APR until November 1, 2020. Thereafter, the APR will be 6.50%. |
| New Vehicle | 2.99% | 84 months | A vehicle that is a 2018 or newer and with 40,000 or less miles will qualify for our new vehicle rate. |
| Used Vehicle 1 | 3.29% | 72 months | A vehicle that is a 2010-2017 or a 2018 or newer with over 40,000 miles will qualify for this rate. |
| Used Vehicle 2 | 4.99% | 60 months | A vehicle that is a 2009 or older or any vehicle with over 100,000 miles will qualify for this rate. |
| Current model year RVs | 5.75% | 96 months | |
| Used RVs | 6.49% | 84 months | |
| Watercraft | 6.74% | 96 months | |
| 2 Wheeled Vehicles | 6.49% | 96 months | |
| Savings Secured | 4.00% | ||
| Certificate Secured | 5.75% | ||
| Credit Builder | 11.15% | 24 months | |
| Lines of Credit | 9.90% | ||
| Personal Loan | 9.40% | 72 months | |
| VISA Credit Card | 7.00% |
Rates above are displayed as APR=Annual Percentage Rate. Subject to credit approval. Rate may vary based on individual. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Other restrictions may apply.
*The maximum term is subject to loan amount and borrower qualifications.
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