Personal Loans
To help get you through.
Whether you’re consolidating debt, making a big purchase, or covering an unexpected expense, our personal loans offer low rates and flexible terms to help you reach your financial goals.
Personal Loan
For big purchases, debt consolidation, a vacation, or more, our personal loans offer great amounts at competitive rates.
- Rates as low as 8.99% APR*
- Borrow up to $20,000
- Terms up to 60 months
Paycheck Advance Loan
Get a $500 quick cash loan to cover unexpected expenses.
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.
Economic Assistance Loan
As a not-for-profit credit union rooted in the community, we’re here to provide more than just financial services—we’re here to lend a hand when it’s needed most.
Whether it’s an unexpected expense, loss of income, or rising day-to-day costs, financial hardships can impact anyone. That’s why we’re proud to offer our Economic Assistance Loan—a low-interest, flexible solution designed to help our members navigate tough times with dignity and support.
- As low as 12.99%*
- Max loan amount $5,000
- Up to 36 months
- No payment for the first two months
The Economic Assistance loan product cannot exceed $5,000 with a maximum amortization of thirty-six months. Although no payment is due for the 60 days (two months) of the loan term, interest will accrue. Tucoemas FCU reserves the right to discontinue the Inflation Assistance Loan at any time.
Credit Builder Loan
Take control of your financial future – our Credit Builder Loan helps you establish or improve your credit with manageable payments and build savings.
Borrow $1,000 – $3,000 with little or no credit history.
Benefits
- Flexible terms – 12 to 24 months
- Fixed rate – 7.99% APR*
- Earn dividends – the funds in your Tucoemas savings account earn dividends
- Establish credit – as you repay your loan, information is reported to credit bureaus
How it works…
- Apply for the loan
- The loan amount is held in a savings account
- Make monthly payments
- Payments are reported to credit bureaus
- At the end, you get the money!
Signature Home Improvement Loan
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 $40,000
- 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
Rates
|
Estimated Term (In months) |
APR* (as low as) |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) |
|---|---|---|
|
*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on a number of individual factors, including, but not limited to, credit history and creditworthiness. |
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|
Estimated Term (In months) 12 Months |
APR* (as low as) 7.99% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $86.98 |
|
Estimated Term (In months) 24 Months |
APR* (as low as) 8.99% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $45.68 |
|
Estimated Term (In months) 36 Months |
APR* (as low as) 9.99% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $32.26 |
|
Estimated Term (In months) 48 Months |
APR* (as low as) 11.49% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $26.08 |
|
Estimated Term (In months) 60 Months |
APR* (as low as) 12.49% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $22.49 |
|
Estimated Term (In months) |
APR* (as low as) |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) |
|---|---|---|
|
*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on several individual factors, including, but not limited to, credit history and creditworthiness. 1Minimum amount is $10,000, and the maximum is $40,000 for the loan type. Late Charges: The late charge will be calculated as follows: 5% of the monthly minimum payment with a minimum of $15 and not to exceed $100 on payments made 10 days or more after the due date. |
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|
Estimated Term (In months) 60 Months |
APR* (as low as) 9.74% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $21.12 |
|
Estimated Term (In months) 72 Months |
APR* (as low as) 10.74% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $18.90 |
|
Estimated Term (In months) 84 Months |
APR* (as low as) 11.24% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $17.25 |
|
Estimated Term (In months) 96 Months |
APR* (as low as) 12.74% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $16.66 |
|
Estimated Term (In months) 108 Months |
APR* (as low as) 13.74% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $16.18 |
|
Estimate Term (In months) |
APR* (as low as) |
Max Loan-to-Value Financed |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) |
|---|---|---|---|
|
*APR=Annual Percentage Rate. The Annual Percentage Rate (APR) will be the dividend rate paid on the Share Certificate offered as security (index) plus a margin of 3.25%. The term of the loan may not exceed the term of the Share Certificate offered as security. The APR will be disclosed on the Loan and Security Agreement and Disclosure Statement provided at the time of the new loan. The floor rate is 7.00%. 1Loan term must not exceed certificate existing term Late Charges: The late charge will be calculated as follows: 5% of the monthly minimum payment with a minimum of $15 and not to exceed $100 on payments made 10 days or more after the due date. |
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|
Estimate Term (In months) Up to 60 Months |
APR* (as low as) 7.00% |
Max Loan-to-Value Financed Up to 90% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $19.81 |
|
Estimated Term (in months) |
APR* (as low as) |
Maximum Loan Amount |
|---|---|---|
|
*APR = Annual Percentage Rate. All loans are subject to approval. Rates can vary based on creditworthiness and the term of the loan. The Economic Assistance loan product cannot exceed $5,000 with a maximum amortization of thirty-six months. Although no payment is due for the 60 days (two months) of the loan term, interest will accrue. Tucoemas FCU reserves the right to discontinue the Inflation Assistance Loan anytime. Late Charges: The late charge will be calculated as follows: 5% of the monthly minimum payment with a minimum of $15 and not to exceed $100 on payments made 10 days or more after the due date. |
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|
Estimated Term (in months) Up to 36 Mo. |
APR* (as low as) 12.99% |
Maximum Loan Amount $5,000 |
|
Estimated Term (In months) |
APR* (as low as) |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) |
|---|---|---|
|
*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on a number of individual factors, including, but not limited to, credit history and creditworthiness. |
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|
Estimated Term (In months) 12 Months |
APR* (as low as) 7.99% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $86.98 |
|
Estimated Term (In months) 24 Months |
APR* (as low as) 7.99% |
Estimated Monthly Payment per $1,000 (based on “as low as” APR) $45.22 |
|
Term (In days) |
APR* (as low as) |
Maximum Loan Amount |
|---|---|---|
|
*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on a number of individual factors, including, but not limited to, credit history and creditworthiness. |
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|
Term (In days) 120 days |
APR* (as low as) 16.90% |
Maximum Loan Amount $500 |
Become a Member
As part-owner of Tucoemas, our profits flow down to you through better rates and lower fees.
Disclosures
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*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on a number of individual factors, including, but not limited to, credit history and creditworthiness.