Personal Loans

U & I are teammates for life, so we’ll be here to help you make ends meet with a personal loan or line of credit when life requires a little more funding than what you have on hand. You can use a personal loan or line of credit for special purchases, unexpected expenses, a vacation, life events like weddings, and more! We offer fast approval decisions and step-by-step local service with no application fee and no annual fee. You can also use digital banking to make your payment online. It’s our way of making your life easier!

What can you use a personal loan for?

Home Improvements

Is it time for your next home improvement project? Use a personal loan to help you complete your next landscaping project, bathroom remodel, or finally upgrade those appliances you’ve been looking at all year.

Solar Energy

Thinking about a solar energy system? Your monthly payments could be lower than your average electric bill, which could save you money.

Vacation Planning

Ready to take a mental break somewhere but not sure how you’re going to pay for it? A personal loan can help you get away on the vacation you really deserve.

Recreational Purchase

Maybe your mental break was meant to be taken at home. You can use your personal loan for a new grill, a hot tub or a swimming pool. Make your home the place you want to spend your summer!

Debt Consolidation

Use this as an opportunity to consolidate your debt after a hard year. With our low rates, you can work to get your finances on track.

Benefits of consolidating your debt:

  • Making regular on-time payments may help you build your credit score
  • Having one monthly payment can help simplify your bills and billing cycles, making the payment process much smoother
  • When you pay off large credit card balances, your credit utilization ratio may improve – a huge component of a healthy credit score

Quick Apply

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Have questions?
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Personal Loan Types

Unsecured Personal Loans

You can use a personal loan for just about anything, even to consolidate your current debt at a lower rate. An Unsecured Personal Loan gives you access to the funds you need without any requirement to secure your loan against an account or other collateral. An unsecured personal loan is a great option for those with good credit ratings.

Share or Certificate Secured Personal Loan

Do you need a loan and want to get a lower rate or need to build (or rebuild) your credit? Borrow against the funds you have in your Share Savings Account or Certificate! Securing your loan against your own account is a smart way to get the funds you need without actually spending the money you have in savings.

Prime Credit Line of Credit

Enjoy the flexibility of borrowing different amounts over time at a super low variable rate. The minimum advance is $100. You only have to apply once, and you’ll be able to access funds quickly and easily when you need them, in person or any time via digital banking.

Personal Loan Rates and Details

TypeAvailable AmountTerms up to:APR* as low as:
Share Secured Personal Loanequal to amount in savings or shares up to $180,00060 months6.5%
Certificate Secured Personal LoanEqual to amount of CDs up to $180,000Equal to remaining term of certificate6.5%
Unsecured Personal Loanup to $48,00060 months12.00%
Prime Line of Credit$5,000 to $48,000Open endedPrime + 1%
Overdraft Protection$1000 to $2,500Open endedPrime + 6.5%

* APR stands for Annual Percentage Rate. Rates effective as of 12/01/2023.
All loans subject to credit approval and all applicants must qualify for an open a membership account at UICCU before loan funding. Annual Percentage Rate (APR) will vary depending on individual credit worthiness, loan term, and other applicable discounts. Other restrictions may apply. Contact a UICCU Representative for additional details.
For lines of credit, no interest is charged until the funds are used. Minimum credit score of 700 and a minimum gross monthly income of $2,500 required for Prime Credit line of credit. Prime Credit line of credit has a variable APR of Prime + 1.00%. Overdraft Protection line of credit has a variable APR of Prime + 6.5%. Other restrictions may apply.
Disclosure information is accurate and effective as of 08/01/2023 and is subject to change. To inquire about changes in these disclosures, call toll free 877-678-4328.

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