Personal Loans
Life is full of unexpected opportunities and challenges. Whether you're looking to consolidate debt, finance a dream vacation, cover unexpected expenses, or pursue your personal goals, our personal loans are designed to meet your needs.
Affordable Lending
As a community-focused credit union, we take pride in providing personalized service to our members. Our dedicated team is here to guide you through the loan application process and answer any questions you may have.
- Competitive rates
- Flexible terms
- Quick approval process
Credit Disability, Credit Life and Unemployment insurances are optional. Please discuss with your loan officer.
Current Rates
Loans
Simple interest is charged on the outstanding balance of the loan. There are no prepayment penalties. Credit Disability, Credit Life, Joint Credit Disability, Involuntary Unemployment Insurance, and Joint Credit Life insurance may be available. All consumer loans are charged a $40 loan application fee. All secured title loans will be charged $15 per vehicle to note the lien and all secured non-titled loans will be charged a UCC fee of $25 per filing. A fee of $20 per loan will be charged to defer a loan payment. A $50 fee will be charged to refinance to lower an interest rate on a current loan.
All rates are based on APR (Annual Percentage Rate).
A security interest is required on all secured loans. Insurance is required on all secured loans over $3000 except for share or share certificate secured loans. Healthcare Plus FCU is to be listed as the lien holder on the title or UCC-1 lien instrument as well as on the insurance policy. Your minimum payment will never be less than $30.00 per month.
How to Apply
In Person
Our friendly staff at is here to assist you with the application process. We'll be happy to answer any questions you have.
Apply Online
Busy schedule? No problem! You can apply from the comfort of your home using our secure online application. Login to our mobile banking app or online banking site to get started.
Call Today
Have questions or need guidance on the best loan option for your situation? Give us a call at 605-725-0900, and our loan experts will be happy to assist you.