Life is full of big ideas—and sometimes, big surprises. Whether you’re finally tackling a minor renovation or covering an unexpected emergency, our Personal Loans (also known as a Signature Loans) can provide the funds you need quickly, affordably, and with no surprises.
Personal Loan Projects & Possibilities
Home Improvements: Get the funds to finish that deck, update the bathroom, or make necessary repairs without touching your home equity.
Big Purchases: Finance a major appliance, new furniture, or a once-in-a-lifetime family event.Life’s Surprises: Handle medical bills, car trouble, or other unexpected costs with a financial safety net.
Stress Less with a FOCUS CU Personal Loan
At FOCUS Credit Union, we are invested in our members’ financial success, so we want to help you to find the terms that make the most sense for you. With terms up to a maximum of 4 years, we can help you with your individual needs. And don’t forget that we offer a number of financial calculators to make sure you can see how a loan may fit into your budget.
- Rates starting at 11.99% APR*
- Up to 48-month repayment term
- Fast approvals
- Friendly, local service you know and trust
Plus, you can say goodbye to confusing terms and variable rates. Our personal loans are designed for peace of mind, with:
Fixed Monthly Payments. Your monthly payment amount will not change. This makes budgeting simple and stress-free, from your first payment to your last.
Fixed Interest Rate. Once your rate is set, it’s locked in. You’ll know exactly how much you’re paying in interest over the life of the loan.
No Prepayment Penalties. Pay off your loan early, and we won’t charge you a dime extra. We encourage you to get debt-free faster!
Apply online or stop by a branch location today!
Why Choose FOCUS Credit Union?
At FOCUS, we believe in more than transactions—we believe in people. As your local, member-owned credit union, we’re proud to offer:
- Personal service that puts your needs first
- Convenient online and mobile banking tools
- A community-focused approach that keeps your goals at the heart of everything we do
*APR = Annual Percentage Rate. Rate and offer subject to change at any time without notice. Membership required. Qualifications apply. One loan special per member per season, maximum of two (2) loan specials per member. Terms and Conditions cannot be modified. Federally insured by the National Credit Union Administration.