Pay for moving expenses, health care costs, or even a memorable family trip. Our personal loan options can finance nearly any need not covered by our other loans. We specialize in understanding various UN contract terms, often enabling us to lend to more members at competitive rates.
With an unsecured personal loan:
With a secured with deposit loan:
Members with a checking account can apply for a line of credit:
Unsecured personal loan
Secured with deposit loan
Unsecured personal loan
Secured with deposit loan
Up to 150% of the money in your UNFCU savings or share certificate accounts 4
Unsecured personal loan
Fixed starting at 8.95 % APR 3
Secured with deposit loan
Variable as low as Deposit Rate + 2.00 % 5
Variable starting at 15.25 % APR 5
Unsecured personal loan
Up to 15 years
(shorter terms offer lower rates)
Secured with deposit loan
6 months to 12 years
Unsecured personal loan
Secured with deposit loan
The money in your UNFCU savings or share certificate account
Unsecured personal loan
As little as four business days 2
Secured with deposit loan
As little as two business days 2
As little as four business days 2
Unsecured personal loan
Secured with deposit loan
Unsecured personal loan
Secured with deposit loan
Unsecured personal loan
Secured with deposit loan
Unsecured personal loan
As little as one business day 2 , 6
Secured with deposit loan
As little as one business day 2 , 6
As little as one business day 2 , 6
Unsecured personal loan
Secured with deposit loan
Unsecured personal loan
Secured with deposit loan
Unsecured personal loan
Enroll for a fee
Secured with deposit loan
Enroll for a fee
Enroll for a fee
Consistent monthly payment amounts
Unsecured personal loan
Secured with deposit loan
Monthly payments depend on your use of the line of credit
Repaying what you borrow should never be a struggle. We evaluate each loan request based on factors that can affect your ability to repay. View eligibility criteria.
All members with at least $500 in their UNFCU savings or share certificate account are eligible for a secured with deposit loan.
Complete your online application 24/7 from anywhere in the world.
All UNFCU loans are in US dollars (USD).
Unsecured loans are not backed by collateral. This means there is no asset for the lender to claim if the borrower is unable to pay back the loan. Our unsecured personal loan is an example of an unsecured loan.
A secured loan requires an asset as collateral. For example, a mortgage is a secured loan. The home being purchased is used as collateral to secure the mortgage. In the event the home buyer is unable to repay the mortgage, the lender can claim the property.
For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable.
You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.
Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.
We offer Credit Disability Debt Protection. If you become disabled and lose your income, you can continue making your UNFCU loan and credit card payments.
To receive this protection, the primary borrower must enroll for it. A fee of $0.15 per $100 will then be added to the outstanding loan balance. For example, if at the end of the month your loan balance is $5,000, a $7.50 fee will be added.
The application is quick and a physical exam is not required. Call or visit us in person to enroll.
