Consolidate high-interest loans or use it for vacation, unexpected emergencies and more. We also offer competitive-rate, revolving Personal Lines of Credit so you can access funds whenever you need them. See our four personal loan options below.

Signature Loan

The right amount of money at the right time turns opportunities into reality. Borrow exactly what you need when it’s needed, with the terms that fit your budget and your time frame.

Use this unsecured installment loan any way you want.

Share or Certificate Loan

Do you have the money for a three-week tour of Europe? A small greenhouse addition? A great deal on your neighbor’s ATV? . . . but just don’t want to take it out of your certificate or share account? Consider the convenience of a share or certificate secured loan. Use the money now and the credit union will hold your funds until the loan is paid off.

This loan uses a Regular Share, Choice Savings, Money Market Account, or Certificate as collateral. Basically, you are borrowing money from UT Federal Credit Union using your funds as collateral.

  • Loan amount can be up to 100% of Share or Certificate balance
  • Loan term can be up to 60 months on shares or up to the remaining term of the certificate.
  • Interest rate is only 3% over the Share or Certificate Annual Percentage Yield.

New U Loan

Experiencing a financial emergency? Don’t visit a payday lender. We have a smart alternative. Call us to ask about our New U Loan.

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Personal Loan Rates

Signature Loans
Effective Date: Saturday, December 21st, 2024
Loan TypeAPR* As Low AsMonthly Payments/$1,000
Winter Signature Loan Special - 36 Months* 7.99% $31.35
*APR = Annual Percentage Rate. Rate effective 11.01.2024 through 01.31.2025. 7.99% Rate is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Estimated monthly payment of $31.35 per $1,000.00 borrowed at 7.99% APR for 36 months. Other terms available based on credit and other factors. New money only. Other UTFCU loans cannot be paid off with this promotion. Eligibility required. NCUA insured.