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Personal Loans

Get an additional 0.50% APRAnnual Percentage Rate discount on your personal loan 

Lock in your lower rate before this offer ends February 17, 2026
Fixed rate personal loans starting at As low as 6.99% Annual Percentage Rate (APR)6.99% with no payments for 45 days.
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women with kid

Credit Union Personal Loan Options

A personal loan from a credit union offers unique flexibility. You have choices with personal loan rates, the ability to borrow up to $50k in a personal loan, payment options, and more.Actual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.

Fixed rate loan

As low as 6.99% Annual Percentage Rate (APR) <p>Fixed-Rate Loan example: $17,401 borrowed at 13.95% Annual Percentage Rate (APR) for 24 months = $47.99 per month per $1,000 borrowed.</p>

You can borrow a lump sum up to $50,000 and pay it off at a fixed-rate and term. Check your rate in 30 seconds.Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval.
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Personal Line of Credit

As low as 12.75% Annual Percentage Rate (APR) Personal Line of Credit example: APR ranges from <span class="rate no-prefix-ratetype"><span class="rate" data-state-select-refresh-url="/Areas/FirstTech.Web/Rates/RenderRate?id=4584bbb9-1e40-486b-a196-8c6a0b1d0871"> <span class="rate-prefix">As low as</span> <span class="rate-link">12.75%</span> <span class="rate-type">Annual Percentage Rate (APR)</span> </span></span>&nbsp;to 18.00%. The Annual Percentage Rate (APR) will vary with the Prime Rate.

Access up to $10,000 cash on-demand and make a payment only when you have a balance.
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Certificate Secured Loans

As low as 3.00% Annual Percentage Rate (APR) Certificate Secured Loan example: $20,750 borrowed at 6.84% Annual Percentage Rate (APR) for 60 months = $19.73 per month per $1,000 borrowed. Pricing is based on savings account or certificate rates.

Borrow between $500-$500,000 to consolidate debt or pay for a vacation when you have a First Tech Share Certificate.
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Savings Secured Loans

As low as 3.00% Annual Percentage Rate (APR) Share Savings Secured Loan example: $18,635 borrowed at 3.88% Annual Percentage Rate (APR) for 60 months = $18.36 per month per $1,000 borrowed.

Borrow between $500-$500,000 to pay off debt or fund a tech innovation and you want to hold on to your cash.
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Benefits of First Tech personal loans.

Icon assessments Quick and easy loan application

Apply online in a matter of minutes.

Icon assessments Flexible amounts

You choose what to borrow, starting as little as $500 and as much as $500k.

Icon assessments Keep your money in your pocket

These loans don't have application or annual fees.

Icon assessments Protect what you have

Use your Line of Credit for Overdraft Protection on your First Tech Checking Account.

Icon assessments Debtsafe® loan payment protection

(Optional) Protect your loan payments and your family from unexpected events.

Chckmark Anytime, anywhere account access

Get secure online access and mobile access.
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