Personal Loans & Lines

Not every loan fits in a category, let’s personalize one for you

Home Loans & Credit/Product Personal Loans & Lines

We Make It Personal

Whether you’re treating yourself to a personal project or paying for an unexpected expense, we can help make it possible. And we have two options to lend a hand.

Personal loan

As low as 8.99% APR

Our personal loans feature rates as low as 8.99% APR, flexible terms up to 60 months, and credit limits up to $25,000. The fixed rate, term, and payment make budgeting easy. A loan would be ideal for a one-time expense, like a medical cost or a large purchase.

Apply for a Personal Loan

Personal line of credit

As low as 12.40% APR

Our personal line of credit has a low, variable rate of 12.40% APR tied to the Prime Rate. The line of credit has an open-ended term, which means you can continue to access your funds over time. That makes it more ideal for an ongoing project, like tuition or a home improvement.

A personal line of credit can also be used as an overdraft protection source for a 1st United checking account.

Apply for a Personal Line of Credit

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APR (Annual Percentage Rate) as of December 1, 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 and is for terms up to 24 months. APR ranges between 8.99% and 20.89%. Your rate may vary based on creditworthiness, amount financed, and terms and conditions. Available terms between 12 months and 60 months. No pre-payment penalty. Loans are subject to credit approval. Loan payment example: $45.68 per month for each $1,000 borrowed at 8.99% APR for 24 months.
Personal 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. Rate is variable based on the Prime Rate (index), currently at 7.75% (as of November 8, 2024) 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.