Personal Loans
Our loans reflect your goals
We offer competitive rates and flexible terms, so you can find a loan that fits your budget. If you've been dreaming about it, let us help you do it with a loan that's right for you:
- Vacations
- Home Heating
- Holidays
- Electronics
- Medical bills
- Unexpected expenses
Skip-A-Pay
Have snow much fun! Skip your December or January payment & enjoy the extra cash! For qualified members. 1
Holiday Loans
Get some extra dough to help cover holiday-related expenses—from gifts and travel to decor and food.
4.99% APR
2
for 12 months
Visit your local branch, call 888.252.8932, or apply with a live video branch agent!
Heating Loans
Pre-pay your home heating costs, like fuel oil, firewood, pellets, propane, or heat pump installation.
4.99% APR
2
for 12 months
Visit your local branch, call 888.252.8932, or apply with a live video branch agent!
Get your finances back on track
Debt consolidation loans
If you want to consolidate a little or even a lot of debt, we're here to help! Stop juggling multiple payments every month and consolidate everything into one manageable loan payment.
kickstart your financial future
Credit Builder Loans
Whether you are just starting and looking to establish credit or need assistance improving a poor credit score, our experienced lenders are here to help! With Credit Builder Loans, the amount you borrow will be placed in an interest-bearing savings account and cannot be withdrawn until all monthly payments have been made. Information regarding your payment history is reported to the credit bureau each month to help improve your credit score. Monthly payments can be as low as $40. Upon successful loan repayment, the money is fully available to you.
Credit Builder Loans can finance up to $2000 for up to 24 months. This way, you are not locked into a long-term commitment but can still reap the benefits of regular installment loan payments. They are the perfect option if you're looking to:
- Establish new credit
- Repair poor credit
- Save for a large ticket item
Visit your local branch, call 888.252.8932, or apply with a live video branch agent!
Financing a sustainable future
green loans
HFCU offers special financing on alternative, renewable, home energy efficiency, and high fuel economy-rated vehicles. We're proud of caring for the environment and excited to support you on your sustainable journey.
Choose your adventure
Vacation Loans
You're ready to take that big trip, but what you've saved for vacation may not cover all the costs. You'll want a plan for covering these expenses, from lodging to flights, food, and entertainment.
Take the trip of your dreams with a Vacation Loan with HFCU. When you're ready to plan, we're here to help you enjoy the vacation fun without all of the financial stress!
Debt Protection
If you're worried about what will happen to your income if you become disabled or involuntarily unemployed, MEMBER'S CHOICE™ Borrower's Security has got your back. With Life, Disability, and Involuntary Unemployment Protection, you can rest easy knowing that your debt payments won't stop just because of an unfortunate situation.
Life, Disability, and Involuntary Unemployment Protection is available on all consumer loans, so you don't have to worry about being able to pay your bills if something unexpected happens. And since we offer low group rates for these services, you'll also be able to keep more of your hard-earned money in your pocket!
Debt protection can be added or changed at any time during the life of your loan to help protect you from future situations. Contact us to learn more about the options and earn some peace of mind - because life happens.