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Personal Loans

Make it happen, your way. From dream vacations to home repairs, EMUCU Personal Loans give you the freedom to fund what matters most.

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Our Personal Loan Options

My Choice Loan

Take Control of Life's Expenses

Whether you're planning a dream wedding, taking a once-in-a-lifetime vacation, or need funds for an unexpected expense, EMUCU's My Choice Loan* gives you the financial flexibility to make it happen.

  • No Collateral Needed
  • Borrow Up to $50,000 & Use the Funds the Way You Want
  • Fixed Rates & Flexible Terms

Personal Loan Rates

Type APR* Term
My Choice Loan 9.75% - 15.75% Fixed
Home Improvement Loan 9.75% - 16.25% Fixed
Technology Loan 4.99% Fixed
Line of Credit 17.49% - 21.49% Adjustable
Build My Credit Loan 9.90% Fixed
Certificate Secured Loan 2.00% + Current Certificate rate Fixed
APR* Term
9.75% - 15.75% Fixed
APR* Term
9.75% - 16.25% Fixed
APR* Term
4.99% Fixed
APR* Term
17.49% - 21.49% Adjustable
APR* Term
9.90% Fixed
APR* Term
2.00% + Current Certificate rate Fixed

Not sure what to choose? Let us help.

Choosing the right loan doesn't have to be overwhelming. At EMUCU, we offer a variety of personal loan options tailored to fit your goals — whether you're planning something exciting, tackling unexpected expenses, or working on your financial wellness. We make the process simple, transparent, and personalized to your needs.

My Choice Loan

Disclaimer

*Actual APR determined by credit history, approved loan amount and loan term.

**All Technology loans will be charged 0% interest during the first 90 days; actual rate after 90-day introductory period will be 4.99%. Maximum loan amount $3,500. Contact EMUCU for details about maximum terms of repayment. An EMUCU checking account and EMUCU debit card are required to fund the loan. Subject to credit approval. Additional limitations, terms and conditions apply, and are subject to change without notice.