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Personal Loan & Line of Credit Rates
Consumer-friendly rates make our Personal Loans even more appealing.
Affordable loans for anything life throws at you
When you need money to pay bills, make repairs or cover other expenses, the last thing you need is a loan with hefty interest charges. Securityplus Federal Credit Union's Personal Loans and Lines of Credit feature competitive rates that ease your borrowing costs. Work with our team to find the loan you need.Personal Loan Rates
| Loan Terms | APR1 (As Low As) |
|---|---|
| 1-Year Term | 9.74%2 |
| 2-Year Term | 9.74%2 |
| 3-Year Term | 9.74%2 |
| 4-Year Term | 10.24%2 |
| 5-Year Term | 10.24%2 |
1
APR = Annual Percentage Rate.
2
Rate shown reflects a 0.25% discount for automatic loan repayment.
Share Secured Loan Rates
| Loan Term | APR1 (As Low As)3 |
|---|---|
| 6 to 96-Month Term | 3.10% |
1
APR = Annual Percentage Rate.
3
The APR for a Share Secured Loan is based on an index of 3.00% above the Share Dividend Rate with a floor of 4.00% (The Rate will never go below 4.00%). Rate is not based on creditworthiness. Not eligible for autopay discount.
Personal Line of Credit Rates
| Type of Loan | APR1 (As Low As) |
|---|---|
| Personal Line of Credit | As low as 15.50% (Prime4 + 7.00%) |
1
APR = Annual Percentage Rate.
4
Prime Rate effective 7/27/23 is 8.50% as published in the Wall Street Journal. The rate floor on this product is 5.00% and the rate ceiling is 18.00%.
Credit Builder Loan Rates
| Loan Term5 | APR1 (As Low As) |
|---|---|
| 6 to 36 Month Term | 3.10% |
1
APR = Annual Percentage Rate.
5
The APR for a Credit Builder Loan is 3.00% above the dividend rate paid on a Share Savings account; dividend rate effective 07/01/2024 is 0.10%. The rate floor is 3.00%. The APR on existing balances will change on the first day of each month to reflect any changes in the rate being paid on dividends. Any increase will result in additional payments of the same amount.