Personal Loans | Cooperative Teachers Credit Union

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CTCU Personal Loans

Personal Loans

Your Lifestyle, Your Needs, Your Budget

Personal Loan

We call it our personal loan but you might even call it the “Anything!” loan! That’s because you can use the money for pretty much anything you want or need. There’s no waiting period, so the money is yours fast. Enjoy terms up to five years for easy payments.

Our “Anything” Personal Loan will perfectly allow you to renovate your home, consolidate your debt, cover medical expenses, decorate your baby’s nursery, get new furniture, pay for college tuition, plan a wedding, update your appliances, landscape your yard, take a vacation, replace your windows, or almost anything else!


Our personal loans are created to fit your lifestyle, your needs, and your budget. Use our Loan Calculator to see what works best for you.

Personal Loan Rates Starting as low as
0-24 Months10.94%
25-48 Months11.54%
49-60 Months11.74%

We have additional loan options to meet all our members' needs.

Share Covered Loan

A Share Covered Loan will be 3% above dividend rate of the account used as collateral. Terms for this type of loan can be up to 60 months. (checking and IRAs cannot be used as collateral)

Credit Builder

Why choose a Credit Builder Loan? The reason is in the name…to build your credit. This is not to be confused with a credit repair loan. A credit builder loan will benefit those who have no established credit.

Credit Builder loans have an APR (Annual Percentage Rate) of 1% above the dividend rate of the regular shares with increments of $500 and a maximum of 12 months.

Note: applicants must be a member or eligible member to apply. Rates vary depending on credit score. All loans are subject to credit approval.

Credit restrictions apply. Rates and terms are subject to change at any time. Rate is determined by individual credit history and repayment term.

Take the next step to getting your personal loan:

Apply for a Personal Loan Apply for a Share Covered Loan Apply for a Credit Builder Loan

Loan Calculator

Curious about a loan? Try out our loan calculator to get a better understanding of what you’ll be paying!

Ready to buy a new or used vehicle?

Our Auto Loans come with great rates and flexible terms to help you save.

Get rolling on your auto loan