Personal Loan
Fund What
Matters Most
Use a personal loan or line of credit for a wedding, a big expense, paying off debt, or building your credit.
A Loan That Makes Life Easier
Clear Rates
See your rate and repayment terms before you sign.
Local Lending Decisions
Get a decision from a team right here in Minnesota.
No Prepayment Penalty
Pay your loan off early without an extra charge.
Autopay Rate Discount
Save 0.25% on your rate with automatic payments.
More Ways to Cover Big Expenses
Life Happens Loan
Get a lower rate for meaningful moments like a wedding, adoption, or funeral.
Personal Loan
Borrow at a fixed rate starting at 8.99% APR for home projects, major purchases, or a goal you are planning for.
Consolidate Debt
Combine multiple payments into one and work toward a clear payoff date.
Personal Line of Credit
Draw funds when you need them and pay interest only on what you use.
Checking Line of Credit
Cover a shortfall automatically when your checking account balance falls short.
Credit Building
Build positive credit history with manageable monthly payments over time.
See What Your Loan Could Cost
Enter your loan amount, term, and rate to estimate your monthly payment and total interest.
Your Guide to Borrowing Smart
Learn how personal loans work, what lenders look for, and what to expect from application to your first payment.
Let’s Talk Through Your Loan Options
Apply online, visit a branch, or connect with a CCCU lending expert for help choosing a personal loan or line of credit.