Unsecured Personal Loans


Borrow what you need, no collateral required. 

Put plans in motion with a simple, flexible personal loan.

Whether you're covering an unexpected expense, consolidating debt, or making a big purchase, an unsecured personal loan from HRCU gives you access to the money you need—no savings or collateral required.

How it works:

  • Easy application process*
  • No collateral required
  • Fixed monthly payments over a set term
  • Use for medical bills, travel, debt consolidation, and more
  • Quick decisions and personalized service
  • Competitive credit union rates

* Credit check and proof of income required for Unsecured Personal Loans.

Unsecured Personal Loan

Effective Date: 9/25/2025

TypeAs Low AsMonthly Payment/$1,000
Unsecured Personal Loan10.99% APR*$21.74

*APR = Annual Percentage Rate. Final loan rate, term, and approval determined by credit worthiness and membership qualification. Standard underwriting guidelines apply. Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.

 Maximum personal loan amount is $25,000.

Digital Banking

When life gets busy, bank on your own schedule with HRCU's mobile and online banking.

Make your next smart move.

Reward yourself with HRCU's Visa® Platinum Rewards credit card.

Keep more money in your wallet with our balance transfer offer. Limited time 4.99% APR* for 18 months on balance transfers.

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