Consolidate high-interest loans or use it for vacation, unexpected emergencies and more. We also offer competitive-rate, revolving Personal Lines of Credit so you can access funds whenever you need them. See our four personal loan options below.

Signature Loan

The right amount of money at the right time turns opportunities into reality. Borrow exactly what you need when it’s needed, with the terms that fit your budget and your time frame.

Use this unsecured installment loan any way you want.

Line of Credit

With a Personal Line of Credit you can purchase almost anything you want with no annual fee. Use the funds whenever you need with a revolving line of credit and receive a competitive interest rate.

Our Line of Credit gives you the ability to borrow up to 4 times your gross monthly income, based on credit worthiness and current outstanding unsecured loans, without waiting for additional loan approvals.

  • Revolving
  • Fixed rate
  • No annual fee

Share or Certificate Loan

Do you have the money for a three-week tour of Europe? A small greenhouse addition? A great deal on your neighbor’s ATV? . . . but just don’t want to take it out of your certificate or share account? Consider the convenience of a share or certificate secured loan. Use the money now and the credit union will hold your funds until the loan is paid off.

This loan uses a Regular Share, Choice Savings, Money Market Account, or Certificate as collateral. Basically, you are borrowing money from UT Federal Credit Union using your funds as collateral.

  • Loan amount can be up to 100% of Share or Certificate balance
  • Loan term can be up to 60 months on shares or up to the remaining term of the certificate.
  • Interest rate is only 3% over the Share or Certificate Annual Percentage Yield.

New U Loan

Experiencing a financial emergency? Don’t visit a payday lender. We have a smart alternative. Call us to ask about our New U Loan.

Personal Loan Rates

Signature Loans
Effective Date: Friday, January 28th, 2022
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Unsecured/Signature loan – up to 20 months 2.20% $50.97
*APR = Annual Percentage Rate. Actual rates may vary based on individual credit history, loan term, amount financed and on the model year, mileage and type of collateral. Your actual rate may be higher. Rates are subject to change without notice. Other restrictions may apply.