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Share Secured Personal Loans

Is a Share Secured Loan Right For You?

Share or CD Secured Loans are perfect for when you want to:

  • Establish or build credit
  • Repair your credit history
  • Borrow money at a low rate, instead of draining your savings

With a Share Secured Loan, funds in your Savings (share) or Certificate of Deposit (CD) account are used as collateral to secure the loan. During the terms of the loan, the shares are then held and become available again once the loan is paid off. 

So, if you're having trouble getting a low-rate personal loan, talk to us about a Share Secured Loan today! 

Benefits
  • Instant approval
  • No Credit Check
  • Very low interest rates
  • Continue to earn interest on the Secured funds
  • Eligible for Credit Life & Disability Insurance (for Share accounts only)
Rates

Personal Loans

TypeAPR*Monthly Payment/$1,000
Share Secured LoanCurrent Share Rate + 4.00%$18.44Apply Now
Share Certificate Secured Loan

Current Share Certificate Rate + 4.00%

$19.82Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Other terms may apply. For more information contact us at (877) 895-6840. Rates and conditions are subject to change without notice.

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Unsecured Personal Loans

Let's be honest, life happens. 

Whether it's braces for your kids, a broken hot water heater, or even a long overdue vacation, HRCU can help with an Unsecured Personal Loan. 

With an Unsecured Personal Loan, there is no collateral required! Instead, the borrowing amount is based on your current financial picture.

This can be a great cash resource for bill consolidation, emergency home repairs, medical costs, or any other unexpected expense life serves up. 

Benefits

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

Rates

Personal Loans

TypeAPR*Monthly Payment/$1,000

Unsecured Personal Loan

9.24%$20.88Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months). Other terms & rates available. For more information contact us at (877) 895-6840. Rates and conditions are subject to change without notice. Special terms and conditions apply. Maximum personal loan amount is $25,000.

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Credit Builder Program

The credit builder program is a no co-signer program designed for individuals who are looking for ways to help re-build credit.

How It Works
  • A $250 deposit is made into a share (Savings) account. In return HRCU will offer a $500 term loan for 12 months at a fixed rate of 8.25%*
  • HRCU will also offer (at its discretion) an unsecured Visa up to $1,000.
  • Rate will be based on what credit tier the individual falls into at the time of application.
  • Applicants would be required to watch a short 3 – 5 min video on the basics of credit (still in production) that will be available while their loan is being processed.

*Applicant must be an existing member with HRCU and have already established their employment direct deposit into an HRCU account. New members would become eligible after their second direct deposit has been received into the account. Members are only eligible for 1 credit builder program loan at a time. In person credit counseling available by request (appointment may be required).

Credit Life and Disability

Credit Insurance may make your loan payments when you can’t

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against unexpected disability and covered life events could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

Click here to find out more!

 

Skip A Payment

Give your wallet a break and skip your next HRCU loan payment! Your loan could be eligible, ask how today!