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A personal loan can help you manage your finances more affordably. With a fixed payment and term, you’ll know exactly when it will be paid off. Whether you need help with an unexpected expense or want to consolidate higher-interest debt, you can use the money for almost any purpose.

How it works

  • Enjoy a rate as low as CLTYPE3424|T7|Rate APR.1
  • Borrow from $100 to $50,000.
  • Use it for almost anything: consolidating higher-interest debt, dealing with an emergency expense, or financing a big purchase — even a motorcycle, boat or RV.
  • Choose a term to fit your budget, up to 60 months.1
  • Pay zero fees for application, funding or early payoff.
  • No collateral required.

How to qualify

  • Have a SchoolsFirst FCU account in good standing.
  • Complete a loan application and credit check.

Things you should know

  • To get lowest APR, you must make payments by automatic transfer from your SchoolsFirst FCU checking or savings account.



Log in to Online Banking to get started.

Call 800.462.8328

Monday through Friday, 7 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.



0.05 5.25 18.0
  1. Minimum and maximum term based on various factors, including amount financed.

APR = Annual Percentage Rate. Rates range between CLTYPE3424|T7|Rate APR (min.) - CLTYPE3460|T6|Rate APR (max.). Loan terms range between 4 - 60 months. Lowest rate reflects a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Rates quoted are effective as of MM/DD/YYYY and are subject to change. SchoolsFirst FCU has a loan program which features a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating. SchoolsFirst FCU's maximum aggregate personal loan limit is $50,000 per qualifying Member. This includes all individual and joint personal loan credit combined. An example of total amount paid on a personal loan of $5,000 for a term of 36 months at a rate of 7.50% APR would be equivalent to $5,599.12 over the 36 month life of the loan. All loans subject to approval.

For loans with the purpose of post-secondary education expenses, additional disclosures and completion of a self-certification form are required. The borrower must sign and complete a self-certification form before funds can be disbursed on a Special Curriculum, Higher Education, or Personal loan for the purpose of post-secondary education expenses. In addition, the borrower has a three-day rescission period. During the rescission period, the borrower can cancel the loan and the lender cannot disburse loan funds. The rescission period starts when all applicable loan documents have been signed by the borrower(s).

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