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Personal Loan Rates


Personal Line of Credit

Type APR
Variable 13.15%

Personal Loan

Term APR
Up to 24 months 6.99%
Up to 48 months 9.89%
Up to 60 months 10.89%

Shared Secured Loan

Term APR
Up to 96 months 3.03%


















APR (Annual Percentage Rate) as of June 12, 2024, and is subject to change.
Personal Loan: Loan cannot be used to refinance an existing 1st United Credit Union loan or line of credit. Lowest rate quoted. Your rate may vary based on creditworthiness, amount financed and terms and conditions. Loans are subject to credit approval. Loan payment example: $44.77 per month for each $1,000 borrowed at 6.99% APR for 24 months. 
Personal Line of Credit: Lowest rate quoted. Rate is variable based on the Prime Rate (index) currently at 8.50% (as of September 21 , 2023) plus a margin of at least 4.65%. Margin will be assigned at time of loan approval and is based upon borrower’s FICO score.  Your rate may vary based on creditworthiness, amount financed and terms and conditions. Loans are subject to credit approval.
Share Secured Loan: Loan subject to Credit Union approval. Minimum loan amount $500, maximum loan amount $80,000. The hold on your savings balance will reduce monthly by the principal payment amount. Terms and conditions apply. Loan payment example: $11.74 per month for each $1,000 borrowed at 3.03% APR for 96 months. 





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