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Consumer Loans

As a credit union, we lift you up with loan options that help you reach your unique goals - all at competitive rates that provide more value.
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Take control of your finances with our low-rate personal loans—perfect for debt consolidation, big purchases, or reaching your next goal with ease!

  • Borrow up to $20,000*
  • As low as 8.99% APR*
  • Up to 60 months

 

*Annual Percentage Rate (APR) may vary based on creditworthiness, loan amount, and loan term. Loan approval is subject to credit review and membership eligibility.

Our low-rate Tucoemas Personal Loan is a great way to consolidate your debt and take control of your finances!

When you're upgrading your primary residence, these loans provide funding for solar projects, water wells, windows, roofing, pool installation and more.

  • Borrow between $10,000 and $40,000
  • Terms up to 108 months
  • Must be working with a licensed contractor/business to perform improvements
  • No home equity needed
  • No appraisal or loan fees

When you need a loan but lack good credit, borrow against your Tucoemas Federal Credit Union Share Savings account.

  • Borrow up to 90% of your Share Savings
  • Low interest rates
  • Convenient payment options
  • Savings continue to earn interest during the loan term
student-loans

Once you've exhausted your federal aid and scholarship options, check out the Smart Option Student Loan from Sallie Mae to pay for tuition and college-related costs. It's available to Tucoemas Federal Credit Union members attending a degree-granting institution.

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates for more flexibility
  • No origination fees or prepayment penalty
  • Rewards and interest rate reductions available
  • Better rates available to borrowers with higher credit scores
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Assistance from U.S.-based student loan specialists

Click Here to Learn More

Paycheck Advance for Emergency Loans is a substitute for payday loans by providing quick access to cash to deal with unexpected expenses and emergencies arising between pay periods. Unlike other payday loan options, this fast cash loan doesn't burden you with exorbitant rates and fees.

  • 120-day repayment period
  • 16.9% APR*
  • $500 maximum loan amount
* APR = Annual Percentage Rate.
The promotional offer is for a Personal Loan with a rate as low as 16.9% APR. Loans are subject to credit approval. The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category, your rate may be higher. Payment and term are affected by the amount financed. Certain terms may not be available for all risk categories. The above rates are current as of Tuesday, April 1, 2024, and are subject to change.

See other terms and conditions.

Paycheck Advance
 Apply Now

* APR = Annual Percentage Rate.
The promotional offer is for a Personal Loan with a rate as low as 16.9% APR. Loans are subject to credit approval. The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category, your rate may be higher. Payment and term are affected by the amount financed. Certain terms may not be available for all risk categories.

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You deserve attentive, personalized service from people who care about your financial well-being. You deserve Tucoemas. 

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