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Personal Loans
Life happens. We get it. Feel safe borrowing with HRCU.
Cover life's big expenses with flexible, affordable loan options.
Secured Personal Loan
Use your savings or CDs as collateral to unlock a lower rate. A secured loan is an easy and smart way to borrow money at a low rate while building or repairing your credit.
How it works:
Unsecured Personal Loan
Let's be honest, life happens. Whatever your needs, you can get fast access to cash without collateral. Perfect for expenses like medical bills, travel, or debt consolidation.
How it works:
Credit Builder Program
Rebuild your credit–no co-signer required.
Designed for members who want a fresh start, HRCU’s Credit Builder Program offers a low-risk way to strengthen your credit history, learn good financial habits, and take your next step with confidence.
How it works:
*APR=Annual Percentage Rate. Applicant must be an existing member with HRCU and have already established their employment direct deposit into an HRCU account. New members would become eligible after their second direct deposit has been received into the account. Members are only eligible for 1 credit builder program loan at a time. In person credit counseling available by request (appointment may be required).
Add On Debt Protection with Life Plus
Protect the things in life that matter most.
If your life takes an unexpected turn, your family's finances can be strained. But with Debt Protection with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It's just one more way you can look out for the people you love.
Features:
Take an important step toward your family's financial security.
Apply during the loan application process or after your loan closing.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
DP-3415592.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
Effective Date: 10/7/2025
| Type | APR* | Monthly Payment/$1,000 |
|---|---|---|
| Share Secured Loan | Current Share Rate + 4.00% | $18.44 |
| Share Certificate Secured Loan | Current Share Certificate Rate + 4.00% | $19.82 |
*Rate shown is Annual Percentage Rate (APR) and subject to change without notice. Other terms may apply. For more information contact us at 877-895-6840. Rates and conditions are subject to change without notice.
Effective Date: 10/7/2025
| Type | As Low As | Monthly Payment/$1,000 |
|---|---|---|
| Unsecured Personal Loan | 10.99% APR* | $21.74 |
*APR = Annual Percentage Rate. Final loan rate, term, and approval determined by credit worthiness and membership qualification. Standard underwriting guidelines apply. Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.
Maximum personal loan amount is $25,000.
Everything You Expect from Your Credit Union...and More!
Our new card management tool gives your HRCU debit and credit cards enhanced security features, controls, and spending insights.
Find articles on all-things finance and become financially savvy.
Skip a loan payment this month, our way of saying thanks for your membership.
Take HRCU with you, with free access to your account at thousands of surcharge-free ATMs and credit union branches nationwide.
When life gets busy, bank on your own schedule with HRCU's mobile and online banking.
Get Financially Fit
Make your next smart move
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All rights Reserved
