Personal Loans

Make it happen, your way. From dream vacations to home repairs, UMCU Personal Loans give you the freedom to fund what matters most.

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Our Personal Loan Options

My Choice Loan

Take Control of Life's Expenses

Whether you're planning a dream wedding, taking a once-in-a-lifetime vacation, or need funds for an unexpected expense, UMCU's My Choice Loan* gives you the financial flexibility to make it happen.

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No Collateral Needed
Borrow Up to $50,000 & Use the Funds the Way You Want
Fixed Rates & Flexible Terms

Home Improvement Loan

Easily Finance Your Home Upgrades

An unsecured loan can be used for a variety of home-related expenses, including renovations, repairs, and even furniture.

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No Collateral or Lien Required
Borrow Up to $50,000 to Improve Your Home
Competitive Fixed Interest Rates

Technology Loan

Upgrade Your Tech with an Affordable Personal Loan

Upgrade your most important equipment from desktops to customized gaming computers.

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Borrow Up to $3,500
0.00% APR for First 90 days
Terms Up to 36 Months

Line of Credit

Funds at Your Fingertips

Whether you‘re remodeling your car, taking a once-in-a-lifetime vacation, or need funds for an unexpected expense, UMCU's Line of Credit gives you the financial flexibility to make it happen.

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Borrow Up to $50,000 & Use the Funds the Way You Want
Adjustable Interest Rate
No Penalities for Paying Off Your Loan Early

Build My Credit Loan

Establish, Strengthen, or Rebuild Your Credit Score

The UMCU Build My Credit Loan helps you access funds while boosting your savings and strengthening your credit with every repayment.

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Borrow Up to $2,000
Terms Up to 18 Months
Automatic Payment Options Available

Certificate Secured Loan

Maneuverability When You Need It

Get the funds you need now, without disrupting your long-term financial goals. A Certificate Secured Loan may even have lower interest rates than a unsecured loan or credit card, enabling you to have the flexibility you want without setting yourself back.

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12 - 60 Month Terms
Fixed Rates for Predictable Monthly Payments
Borrow at Least $500 & Use the Funds the Way You Want

Personal Loan Rates

Type	APR*	Term
My Choice Loan	9.75% - 15.75%	Fixed
Home Improvement Loan	9.75% - 16.25%	Fixed
Technology Loan	4.99%	Fixed
Line of Credit	17.49% - 21.49%	Adjustable
Build My Credit Loan	9.90%	Fixed
Certificate Secured Loan	2.00% + Current Certificate rate	Fixed

APR*	Term
9.75% - 15.75%	Fixed

APR*	Term
9.75% - 16.25%	Fixed

APR*	Term
4.99%	Fixed

APR*	Term
17.49% - 21.49%	Adjustable

APR*	Term
9.90%	Fixed

APR*	Term
2.00% + Current Certificate rate	Fixed

Not sure what to choose? Let us help.

Choosing the right loan doesn't have to be overwhelming. At UMCU, we offer a variety of personal loan options tailored to fit your goals — whether you're planning something exciting, tackling unexpected expenses, or working on your financial wellness. We make the process simple, transparent, and personalized to your needs.

I'm looking for...

My Choice Loan

Borrow Up to $50,000
No Collateral Required
Fixed Rates for Predictable Monthly Payments
Flexible Terms Up to 60 Months
Use the Funds the Way You Want
Easy to Manage Your Loan

Learn More

My Choice Loan

Borrow Up to $50,000
No Collateral Required
Fixed Rates for Predictable Monthly Payments
Flexible Terms Up to 60 Months
Use the Funds the Way You Want
Easy to Manage Your Loan

Learn More

Home Improvement Loan

Borrow Up to $50,000
No Collateral or Lien Required
Competitive Fixed Interest Rates
Terms Up to 84 Months
Use Funds for Anything Related to Improving Your Home
Easy to Manage Your Loan

Learn More

Technology Loan

Borrow Up to $3,500
0.00% APR for First 90 Days
4.99% APR After First 90 Days
Terms Up to 36 Months
Easy to Manage Your Loan

Learn More

Technology Loan

Borrow Up to $3,500
0.00% APR for First 90 Days
4.99% APR After First 90 Days
Terms Up to 36 Months
Easy to Manage Your Loan

Learn More

Line of Credit

Borrow Up to $50,000
Adjustable Interest Rate
Access Funds When You Need Them
No Penalties for Paying Off Your Loan Early

Learn More

Build My Credit Loan

Borrow Up to $2,000
Terms Up to 18 Months
Automatic Payment Options
Easy to Manage Your Loan

Learn More

Certificate Secured Loan

Rates are Just 2.00% APR Above Certificate Rate
Fixed Rate for Predictable Monthly Payments
12 - 60 Month Terms
$500 Minimum Loan Amount
Use the Funds the Way You Want

Learn More

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Disclaimer

*Actual APR determined by credit history, approved loan amount and loan term.

**All Technology loans will be charged 0% interest during the first 90 days; actual rate after 90-day introductory period will be 4.99%. Maximum loan amount $3,500. Contact UMCU for details about maximum terms of repayment. A UMCU checking account and UMCU debit card are required to fund the loan. Subject to credit approval. Additional limitations, terms and conditions apply, and are subject to change without notice.