CECU Personal Loans
A low interest personal loan is a great way to borrow for any purpose you may have including vacations, weddings, debt consolidations, or “when life happens” money to cover those unexpected financial expenses. Speak to one of our loan officers about the right loan to fit your needs. Our loan officers are also Financial Counselors and can guide you into a loan that is budget friendly for you. Don’t get caught up in the pay-day lending cycle that costs you more money in fees and finance charges, contact one of our loan officers today!
Personal Loan Options
Share Secured Loans
If you have the funds in your savings or a certificate of deposit account but would rather borrow funds and keep your savings intact, then you can get a quick low cost share secured loan using your funds as collateral. You will continue to earn dividends on your savings or certificate account while at the same time receive a lower interest rate on your loan!
Credit Rebuilder Loan
Let’s face it, sometimes LIFE HAPPENS!! And when your credit score takes a hit, then you may wind up paying more for services or you may not qualify for some services at all. You will need someone in your corner to help you restore your credit record. Our Credit Builder program does just that. It’s all part of our plan to Help People Afford Life! Call one of our Loan Officers and let us help with a plan to restore your credit and get back on your financial feet!
Personal Loan Rates
| Tier | Credit Score | Term | APR | Loyalty Line** |
|---|---|---|---|---|
| Tier 1 | > 740 | 60 Months | 9.95 | 10.95 |
| Tier 2 | 700-739 | 60 Months | 10.95 | 11.95 |
| Tier 3 | 660-669 | 48 Months | 12.95 | 14.95 |
| Tier 4 | 620-659* | 36 Months | 14.95 | 16.95 |
| Tier 5 | <619 | 24 Months | 16.95 | 17.95 |
* Includes Fragile and No Credit Score Applicants
**Rates for Loyalty Line are listed when Payroll deduction is chosen. If not repaid through payroll deduction the rate is 18%
FLOOR RATE: Effective 1/1/2026 is 3.90% APR. In accordance with the Federal Credit Union Act, CECU will not charge interest rates above the maximum amount allowed which is currently 18% APR.
No loans may fall below the established floor rate without approval of CEO. Only Tiers 1,2, & 3 are eligible for the 90 day skip for 1st payment.
Minimum loan amount is $500.00
| Rate | Min/Max Balance | TERM |
|---|---|---|
| 10% APY | Min $1000/Max $3000 | Min 6 Months/Max 12 Months |
FLOOR RATE: Effective 1/1/2026 is 3.90% APR. In accordance with the Federal Credit Union Act, CECU will not charge interest rates above the maximum amount allowed which is currently 18% APR.
No loans may fall below the established floor rate without approval of CEO. Only Tiers 1,2, & 3 are eligible for the 90 day skip for 1st payment.
Minimum loan amount is $500.00
| TERM | CD-APY |
|---|---|
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
| Sav = 6.5% | CD = APY +2.0% |
FLOOR RATE: Effective 1/1/2026 is 3.90% APR. In accordance with the Federal Credit Union Act, CECU will not charge interest rates above the maximum amount allowed which is currently 18% APR.
No loans may fall below the established floor rate without approval of CEO. Only Tiers 1,2, & 3 are eligible for the 90 day skip for 1st payment.
Minimum loan amount is $500.00
September 1, 2026
| Share Deposit Options & Terms | Minimum Deposit to Earn Dividend | APR | APY |
|---|---|---|---|
| Regular Share | $200 | 0.25% | .25% |
| RW&B Checking | $3,000 | Reg. Share +.50% | |
| Premier Gold | $2,500 | 0.599% | .60% |
| $10,000 | 0.648% | 0.65% | |
| $25,000 | 0.748% | 0.75% | |
| $50,000 | 0.996% | 1.00% | |
| $100,000 | 1.492% | 1.50% | |
| 3 Months | $500 | 2.477% | 2.50% |
| 6 Months | $500 | 3.747% | 3.80% |
| 9 Months | $500 | 3.747% | 3.80% |
| 12 Months | $500 | 3.650% | 3.70% |
| $10,000 | 3.650% | 3.70% | |
| $50,000 | 3.650% | 3.70% | |
| 18 Months | $500 | 3.455% | 3.50% |
| $10,000 | 3.455% | 3.50% | |
| $50,000 | 3.455% | 3.50% | |
| 24 Months | $500 | 3.455% | 3.50% |
| $10,000 | 3.455% | 3.50% | |
| $50,000 | 3.455% | 3.50% | |
| 36 Months | $500 | 3.698% | 3.75% |
| $10,000 | 3.698% | 3.75% | |
| $50,000 | 3.698% | 3.75% | |
| 48 Months | $500 | 3.698% | 3.75% |
| $10,000 | 3.698% | 3.75% | |
| $50,000 | 3.698% | 3.75% |
All rates are subject to change without prior notice. A penalty may be imposed for early withdrawal. See a
Member Service Representative for further details.
Ready to Make It Happen?
Whether you’re planning a vacation, consolidating debt, covering unexpected expenses, or financing a major purchase, a personal loan from Combined Employees Credit Union can help you move forward with confidence.