Personal Loans

CEFCU is Your FIRST CHOICE for Borrowing.

When it comes to low-cost consumer financing for any purpose, our dependably low loan rates and comfortable terms are designed to save you money every time. And, all feature no loan origination fee and no pre-payment penalty.

CEFCU always offers competitive, low rates and convenient payment options with fast approvals.

Short Term Personal Loans

You'll get a low fixed rate on our Short Term Personal Loans with a quick payback. The terms of this loan are as follows:

  • Maximum amount is based on applicant's ability to qualify
  • Maximum repayment term is 48 months for payment calculation
  • Low annual percentage rate

Personal Line of Credit

Our Personal Line of Credit is an open-end line featuring a low interest rate that's better than most credit cards these days!

  • Personal credit limit established specifically for you
  • Easy-to-understand loan
  • One low monthly payment
  • Payments and terms that matches what you're looking for

Your Personal Line of Credit serves your best interest! It helps you save hundreds (maybe thousands) of dollars in interest over department store or credit cards that often carry rates as high as 25% APR.

Share Secured Loan

CEFCU offers a still-lower, variable rate for our Share Secured Loan that lets you keep earning dividends while repaying a loan.

Apply today!

Take advantage! Apply online today for your personal borrowing needs. Simply click on the Apply for a Loan option after logging in to eBranch. If you're not yet an eBranch user, you can still apply online. Prefer not to apply online? You may also complete a Loan Request and mail or fax it to the office location most convenient to you.

Our loan specialists work hard to make the loan process streamline and time-effective. Other documents may be requested to complete your loan request


*APR=Annual Percentage Rate

**Based on U.S. Prime Rate plus margin, with a Cap of 18.00%.

^Your Share Secured Loan APR is determined by adding one percentage point (1%) to the highest tiered Share Account dividend rate declared and paid on the last day of each month. The APR is subject to change on the fifteenth (15th) day of each month based on the most recently declared monthly dividend.

All loans subject to credit approval. Rates may change without notice. CEFCU is an Equal Opportunity Lender.