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Consumer Loans

As a credit union, we lift you up with loan options that help you reach your unique goals - all at competitive rates that provide more value.
When you need a loan for any reason, turn to Tucoemas Federal Credit Union. Maybe you're consolidating debt, working on your home in Tulare County, California, or bridging the financial gap for college. Whatever your plans, our loans can provide the solution.
We're proud to lend millions of dollars each year to our members, and we review our interest rates monthly, in many cases more frequently, to ensure you're getting the best value possible.

If you want to save money by consolidating debt, or you need money for a vacation or home project, consider this option.

  • Borrow up to $20,000, based on creditworthiness
  • Terms up to 60 months

When you're upgrading your primary residence, these loans provide funding for solar projects, water wells, windows, roofing, pool installation and more.

  • Borrow between $10,000 and $45,000
  • Terms up to 108 months
  • Must be working with a licensed contractor/business to perform improvements
  • No home equity needed
  • No appraisal or loan fees

When you need a loan but lack good credit, borrow against your Tucoemas Federal Credit Union Share Savings account.

  • Borrow up to 90% of your Share Savings
  • Low interest rates
  • Convenient payment options
  • Savings continue to earn interest during the loan term

Once you've exhausted your federal aid and scholarship options, check out the Smart Option Student Loan from Sallie Mae to pay for tuition and college-related costs. It's available to Tucoemas Federal Credit Union members attending a degree-granting institution.

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates for more flexibility
  • No origination fees or prepayment penalty
  • Rewards and interest rate reductions available
  • Better rates available to borrowers with higher credit scores
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Assistance from U.S.-based student loan specialists

Click Here to Learn More

Paycheck Advance for Emergency Loans is a substitute for payday loans by providing quick access to cash to deal with unexpected expenses and emergencies arising between pay periods. Unlike other payday loan options, this fast cash loan doesn't burden you with exorbitant rates and fees.

  • 120-day repayment period
  • 16.9% APR*
  • $500 maximum loan amount

*APR = Annual Percentage Rate.
The above rates are current as of Tuesday, April 1, 2024, and are subject to change.

See other terms and conditions.

Paycheck Advance

Paycheck Advance Loan

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