The Holiday Loan Program Is Back—Affordable, Fast, and Member-Exclusive
Members can take advantage of discounted rates as low as 8.99% APR** when applying for a loan between December 1, 2025, and December 31, 2025.
Enjoy Low, Fixed Rates and Monthly Payments
Orlando Credit Union is #investinginU by offering personal loan options to help you take control of your finances.
A personal loan can help you make a large purchase or pay for unexpected expenses. Having a fixed rate and a monthly payment can help you with budget planning. And since a personal loan comes with a lower interest rate than credit cards, it can be a good choice for consolidating debt.
How Can I Use a Personal Loan?
- Consolidate debt
- Finance a home improvement project
- Pay for moving costs
- Fund educational expenses
- Cover an expensive car repair
- Pay for a wedding
- Pay medical bills
- Pay for a vacation
- Cover unexpected expenses
- And more...
Orlando Credit Union is #investinginU by Offering Two Personal Loan Options
Share Secured Personal Loans
- Terms available from 12 months to 5 years
- Borrow against funds 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 Personal Loans
- Terms available up to 60 months
- Competitive fixed rate
- Home Improvement Lending Program available for renovations and repairs
Which Option is the Best for You?
To discuss your Personal Loan options and apply in-person, schedule an appointment at an Orlando Credit Union branch location near you or you can apply online.
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Get a Personal Loan and Get Rewarded
With our Rewards Points Program, you can earn 1 point per $1,000 in average daily loan balances every month for your qualifying loan.^ Use your accumulated points for cash back, gift cards, and much more.
^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.
**APR= Annual Percentage Rate as of 12/01/2025. 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. Applicant must be a current Orlando Credit Union member as of October 31, 2025, and in good standing to apply. Minimum loan amount is $1,000 up to $3,000 with a maximum term of 12 months. Loans that do not fall within the minimum/maximum guidelines will be considered non collateral loans and will not include rate discount. The promotional period is from December 1 - December 31, 2025. Payment example: $1,000 for 12 months at 8.99% APR equals payments of $87.45 per month. Other terms and conditions apply. Terms and conditions are subject to change 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 3.02% will have a monthly payment of $90.29.
2Payment Example: Unsecured Loan of $10,000 for 36 months at 10.49% will have a monthly payment of $325.
3Payment Example: Unsecured Loan of $10,000 for 60 months at 11.49% will have a monthly payment of $220.