BRANCH CLOSURE NOTICE: Orlando Credit Union's Sheriff's Office Branch is temporarily closed due to onsite building enhancements from April 29th, 2024, to June 30th, 2024. (The exterior ATM is still accessible and you can visit other branch locations)
ROAD CLOSURE: Due to FDOT construction, be advised that at different times some entrances to the SODO branch might not be accessible starting June 4, 2024, for approximately 2–3 weeks. Click here for a map and details.
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Personal Loans

Whether you need help funding a big purchase or paying an unexpected bill, we’ve got you covered.

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Share Secured Loans

Borrow money while continuing to boost your savings. A Share Secured Loan can be a good choice for first time borrowers or those with credit challenges.

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  • Terms available from 12 months to 15 years
  • Borrow against the money you have in your Share Savings Account
  • Amounts borrowed against your savings are put “on hold” and as you repay the loan, the hold is incrementally lifted
  • Your Share Savings Account continues to earn dividends
  • Rates are usually much lower than Unsecured Loans
  • Rebuild your credit using your own money

Unsecured Loans

Borrow for whatever your need may be at a fixed rate. Pay for a vacation, consolidate your debt or make that big furniture or appliance purchase.

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  • Terms available up to 60 months
  • Competitive fixed rate

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With our Rewards points program, you can earn 1 point per $1,000 in average daily loan balances for qualifying loan's each month.^

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To apply in-person for a new personal loan, schedule an in-branch appointment.
 

 

Shared Secured Loan Rates

 

12 Months

As Low As

3.02% APR*1

Calculate your Loan Payment

 

 

Unsecured Loan Rates

 

6 to 36 Months

As Low As

11.49% APR*2 to 18% APR

Calculate your Loan Payment

37 to 60 Months

As Low As

12.49% APR*3 to 18% APR

Calculate your Loan Payment

 

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^Does not include credit cards, sold mortgages or business loans. Loans must be current to receive points for the month. Points will be forfeited if loan is not current, and points will not be reinstated.

*APR= Annual Percentage Rate. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

1Share Secured Loans may be made at the Annual Percentage Rate of 3% above the current declared dividend rate. Maximum repayment schedule is 12 months for every $1,000 financed. Term may not exceed 15 years. Payment Example: Share Secured loan of $5,000 for 60 months at 3.20% will have a monthly payment of $90.29.

2Payment Example: Unsecured Loan of $10,000 for 36 months at 8.99% will have a monthly payment of $317.95.

3Payment Example: Unsecured Loan of $10,000 for 60 months at 9.99% will have a monthly payment of $212.42.

 

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

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