Personal Loans
Unsecured Loans
An unsecured loan from 1st University Credit Union can help with your loan needs, whatever they may be.
You can use an unsecured loan to consolidate debt, finance a vacation, or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events. Personal loans from 1st University Credit Union comes with low interest rates, fast processing, and convenient repayment terms, as well as efficient, personalized service.
Please contact us for more information or click here for a loan application.
Savings Secured Loans
With a 1st University Credit Union share secured loan, your deposit in a 1st University Credit Union share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you'll even continue to earn dividends on your savings!
Please contact us for more information or click here for a loan application.
Personal Loan Rates
| Type | Term | APR* as low as |
|---|---|---|
| Unsecured | 1-24 months | 9.45% |
| -- | 25-36 months | 10.45% |
| -- | 37-60 months | 10.45% |
| Type | Term | APR* as low as |
|---|---|---|
| Savings Secured | 1-36 months | 3.50% |
| Type | Term | APR* as low as |
|---|---|---|
| Savings / Certificate Secured - 100% of Certificate Value | 1-60 months | 1.5% above certificate rate, with a minimum of 3.50% |
Rates and terms are effective January 2023, subject to change, and are based on credit qualification.
Need a little extra help covering life’s expenses? At 1st University Credit Union, we offer flexible personal loans with low rates, quick approvals, and options for everything from debt consolidation to unexpected emergencies. We also offer savings-secured loans that let you borrow at our most competitive rates — while your savings continue to earn dividends. Based in Waco, we proudly serve the Central Texas community, community, including McLennan, Erath, and Bosque counties.
Helping You Do Life — one goal at a time.