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Personal Loans

Whether you are looking to consolidate debt, build credit or make a purchase, a personal loan may give you access to the cash you need.

Share Secured Personal Loans

Is a Share Secured Loan Right For You?

Share or CD Secured Loans are perfect for when you want to:

  • Establish or build credit
  • Repair your credit history
  • Borrow money at a low rate, instead of draining your savings

With a Share Secured Loan, funds in your Savings (share) or Certificate of Deposit (CD) account are used as collateral to secure the loan. During the terms of the loan, the shares are then held and become available again once the loan is paid off. 

So, if you're having trouble getting a low-rate personal loan, talk to us about a Share Secured Loan today! 

Benefits
  • Instant approval
  • No Credit Check
  • Very low interest rates
  • Continue to earn interest on the Secured funds
  • Eligible for Credit Life & Disability Insurance (for Share accounts only)
Rates

Personal Loans

TypeAPR*Monthly Payment/$1,000
Share Secured LoanCurrent Share Rate + 4.00%$18.44Apply Now
Share Certificate Secured Loan

Current Share Certificate Rate + 4.00%

$19.82Apply Now

*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.

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Unsecured Personal Loans

Let's be honest, life happens. 

Whether it's braces for your kids, a broken hot water heater, or even a long overdue vacation, HRCU can help with an Unsecured Personal Loan. 

With an Unsecured Personal Loan, there is no collateral required! Instead, the borrowing amount is based on your current financial picture.

This can be a great cash resource for bill consolidation, emergency home repairs, medical costs, or any other unexpected expense life serves up. 

Benefits

**Credit check and proof of income required for Unsecured Personal Loans. 

Rates

Personal Loans

TypeAPR*Monthly Payment/$1,000

Unsecured Personal Loan

10.99%$21.74Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .50% discount. To qualify for the HRCU Member Loyalty Discount, applicant must have an active HRCU checking account with a debit card and direct deposit or establish the qualifiers at the time of loan closing. The 0.50% discount applies to all consumer loans, excluding VISA, personal lines of credit, real estate loans and business loans. Cannot be combined with any other rate discount. Loan rate, term, and approval determined by credit history. Applicant must meet membership guidelines. Standard underwriting guidelines apply. Refer to current rate sheet for most up to date rates. Internal HRCU loan refinances are not eligible. Rate discount promotion is subject to change without notice. Other terms & rates available. For more information contact us at (877) 895-6840. Rates and conditions are subject to change without notice. Special terms and conditions apply. Maximum personal loan amount is $25,000.

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Credit Builder Program

The credit builder program is a no co-signer program designed for individuals who are looking for ways to help re-build credit.

How It Works
  • A $250 deposit is made into a share (Savings) account. In return HRCU will offer a $500 term loan for 12 months at a fixed rate of 8.25%*
  • HRCU will also offer (at its discretion) an unsecured Visa up to $1,000.
  • Rate will be based on what credit tier the individual falls into at the time of application.
  • Applicants would be required to watch a short 3 – 5 min video on the basics of credit (still in production) that will be available while their loan is being processed.

*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).

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Debt Protection with Life Plus

Protect the things 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.

Things to know about Debt Protection with Life Plus:

  • It's easy - Simply to apply for. 
  • It's budget-friendly - Comfortably fits into your monthly payment. 
  • It puts you at ease - Rest easy, knowing you may be taken care of in so many problem situations. 

Take an important step toward financial security.

Apply during the loan application process or after your loan closing!

Ask us about Debt Protection with Life Plus today. 

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. 

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Give your wallet a break and skip your next HRCU loan payment! Your loan could be eligible, ask how today!

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