Personal Loan Rates


Fast funds and affordable rates to help you get to what matters most.

Share Secured Personal Loan


Effective Date: 9/25/2025

TypeAPR*Monthly Payment/$1,000
Share Secured LoanCurrent Share Rate + 4.00% $18.44
Share Certificate Secured LoanCurrent Share Certificate Rate + 4.00%$19.82

*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.

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.

"The manager was super patient with me while I went to open an account with my three young sons in tow - she didn't seem phased or skip a beat! She was pleasant, patient, and knowledgeable!"

- Samantha

"Great experience! I have had many loans over the years with HRCU and have been very pleased with all of them. Keep up the good work!

- John

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