Personal Loans

At CEFCU, you have a clear alternative when it comes to your personal borrowing needs. Our no-nonsense loans consistently offer dependably low loan rates and comfortable terms designed to save you money every time.

Plus, all our personal loans feature:

  • Fast approvals
  • Easy-to-understand loans
  • Convenient payment options

Borrow better where you belong!

Personal Line of Credit

Our Personal Line of Credit is a credit line that features a low interest rate that is better than most credit cards today! That makes it an ideal tool to refinance high-cost credit or pay off lingering bills.


Along with many cardholder benefits, our Platinum Mastercard offers EMV chip technology, no annual fees, and never any gimmicks.

Short Term Personal Loans

You'll get a low fixed rate on our Short Term Personal Loan with a quick payback.

Share Secured Loan

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

Apply today!

Make CEFCU your first choice for all your borrowing needs. To get started, 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 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.


We are committed to providing our members with superior financial value. So, when you borrow from us, you can do so with confidence knowing that you are getting some of the lowest rates around.

*APR=Annual Percentage Rate.
**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.
^Includes 1% rate discount for payment by Automatic Transfer. Cannot be used to pay off existing CEFCU loans.
Rates and terms may change without notice. All loans subject to credit approval.