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Personal loans and credit lines for whatever life brings.
Life happens, and when it does, we aren’t always ready. That’s when it may be time to consider a personal loan or line from United Trades FCU. Whatever your reason for needing funds fast—appliances on the fritz, car unexpectedly giving you problems, a baby on the way—a United Trades FCU personal loan can fit the bill.
- Borrow up to $20,000 in a low-rate personal loan or line of credit.
- Secure your loan or line with your United Trades FCU savings account.
- Use your loan or line for any purpose.
Your United Trades FCU personal loan or line is designed to save you time—and money.
- Access competitively low members-only rates.
- Receive fast confirmation on approval status.
- Pay off your loan ahead of schedule with no penalty.
Trying to figure out how much you can—or should—borrow? Use one of our handy calculators.
Loans EFFECTIVE Tuesday, January 7, 2025
| Loan Type | APR as low as | Maximum Term* | Info |
|---|---|---|---|
| New Vehicle | 6.50% | 84 months | Vehicle that is 2022 or newer and with 40,000 or less miles. *$40,000 MAX |
| Used Vehicle 1 | 7.00% | 72 months | 2014-2021 or 2022+ with over 40,000 miles. *$40,000 MAX |
| Used Vehicle 2 | 8.74% | 60 months | 2013 or older or any vehicle with over 100,000 miles. *$40,000 MAX |
| New RVs | 7.75% | 120 months | 2022 or newer model year. *$40,000 MAX |
| Used RVs | 8.75% | 120 months | 2021 or older model year. *$40,000 MAX |
| New Boats/Watercraft | 7.95% | 84 months | 2022 or newer model year. *$40,000 MAX |
| Used Boats/Watercraft | 8.95% | 84 months | 2021 or older model year. *$40,000 MAX |
| Motorcycles | 7.95% | 84 months | New and used. $40,000 MAX |
| ATV/UTV/Utility Trailer | 7.95% | 84 months | New and used. $40,000 MAX |
| VISA Credit Card | 12.25% | Rates as low as 12.00% based on qualifications. | |
| Personal Loan | 13.00% | 72 months | |
| Lines of Credit | 11.50% | ||
| Share and CD Secured Loans | 4.00% | Minimum rate on share loan 4.00%. Minimum rate on CD loan 8.15%. | |
| Credit Builder | 13.30% | 24 months | Secured loan to build credit. |
| Home Equity Line of Credit | Contact us for more information! | ||
| Mortgage Loans | Contact us for more information! |
Rates above are displayed as APR=Annual Percentage Rate. Subject to credit approval. Rate may vary based on individual. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Other restrictions may apply.
*The maximum term is subject to loan amount and borrower qualifications.
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