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Personal loans and credit lines for whatever life brings.
Life happens, and when it does, we aren’t always ready. That’s when it may be time to consider a personal loan or line from United Trades FCU. Whatever your reason for needing funds fast—appliances on the fritz, car unexpectedly giving you problems, a baby on the way—a United Trades FCU personal loan can fit the bill.
- Borrow up to $20,000 in a low-rate personal loan or line of credit.
- Secure your loan or line with your United Trades FCU savings account.
- Use your loan or line for any purpose.
Estimate your rate before you apply.
Log in to online banking and use our Credit Score tool to preview your actual rate for a personal loan. Customize your loan amount and term, and see your APR in seconds, risk-free.
Your United Trades FCU personal loan or line is designed to save you time—and money.
- Access competitively low members-only rates.
- Receive fast confirmation on approval status.
- Pay off your loan ahead of schedule with no penalty.
Trying to figure out how much you can—or should—borrow? Use one of our handy calculators.
Loans EFFECTIVE Thursday, January 22, 2026
| Loan Type | APR as low as | Maximum Term* | Info |
|---|---|---|---|
| New Vehicle | 5.50% | 84 months | Vehicle that is 2024 or newer and with 40,000 or less miles. |
| Used Vehicle 1 | 6.00% | 72 months | 2016-2023 or 2024+ with over 40,000 miles. |
| Used Vehicle 2 | 7.74% | 60 months | 2015 or older or any vehicle with over 100,000 miles. |
| New RVs | 7.49% | 120 months | 2024 or newer model year. |
| Used RVs | 8.49% | 120 months | 2023 or older model year. |
| New Boats/Watercraft | 7.69% | 84 months | 2024 or newer model year. |
| Used Boats/Watercraft | 8.69% | 84 months | 2023 or older model year. |
| Motorcycles | 7.69% | 84 months | New and used. |
| ATV/UTV/Utility Trailer | 7.69% | 84 months | New and used. |
| Personal Loan | 13.00% | 72 months | Unlock your goals—low rates, fast approval, zero hassle! |
| VISA Credit Card | 10.50% | Spend smart—low rates that keep your wallet happy! | |
| Lines of Credit | 11.00% | Your safety net—ready when you need it, easy when you don’t! | |
| Share Secured Loans | 4.00% | Borrow smart—low rates backed by your savings! | |
| CD Secured Loans | 6.00% | Your CD’s got your back—lock in a low-rate loan today! | |
| Credit Builder | 13.30% | Build credit from scratch—your loan secures itself! | |
| Home Equity Line of Credit | Contact us for more information! | ||
| Mortgage Loans | Contact us for more information! |
Rates above are displayed as APR=Annual Percentage Rate. Subject to credit approval. Rate may vary based on individual. United Trades FCU reserves the right to discontinue or modify rate offers at any time. Other restrictions may apply.
*The maximum term is subject to loan amount and borrower qualifications.
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