Signature Loans, Credit Cards, and More at CECU
Personal Loans & Credit
Empowering your dreams with flexible credit options designed for your unique financial journey. From daily spending to major milestones, we're here to support you.
Signature Loans & Lines of Credit
Versatile borrowing to fit your lifestyle and financial goals.
Signature Loans
A fixed-rate personal loan for any purpose. Whether it's home repairs or unexpected expenses, get the funds you need quickly.
Fixed Monthly Payments
No Collateral Required
Personal Line of Credit
Ongoing access to funds whenever you need them. Borrow as you go and only pay interest on the amount you use.
Reusable Credit Limit
Overdraft Protection
Share/Certificate Secured
Use your savings or certificates as collateral to secure a lower interest rate while your investments continue to grow.
Our Lowest Loan Rates
Build Your Credit History
Lost or Stolen Card? Call (800) 449-7728 immediately. For cardholder service, call (866) 820-5865.
Visa© Platinum Credit Card
Our Visa Platinum is designed to be the only card you need for daily purchases and travel. With no annual fees and competitive rates based on your credit score, it’s a smart, straightforward way to pay.
Earn Rewards
Every qualifying purchase earns points toward travel, gift cards, or prizes through CURewards.com.
Manage with Ease
Track your activity and make payments through the CECU Visa app or CECU Online.
Replacement Cards
Please have your current card handy when you receive your renewed card for activation. The prompts will ask for information from the card that is being replaced and not your brand new card.
Building a Stronger Financial Future
We believe everyone deserves a path to financial health. Our specialized loan products are designed to help you start, repair, or manage your credit journey.
Credit Starter Loan
For our younger neighbors with no credit history, we want to help you start on the right foot. If you make all your payments on time, we’ll rebate all of the interest back to you once the loan is paid off. It’s a great way to build your score while keeping your costs at zero.
Credit Repair Loan
If your credit score has taken a hit and you're ready to rebuild, this loan helps you repair your credit and grow your savings at the same time. Contact one of our offices to see if this is the right path for you.
Shared Secure Loans
Use your savings or certificates as collateral to secure a lower interest rate while your investments continue to grow. It’s a practical option when you want to borrow without giving up the balance you’ve already built.
Current Rates
*Rates Current as of 4/21/2026
Visa
**APR = Annual Percentage Rate. Rates are fixed. Rates are based on creditworthiness andmay increase or decrease at any time.
Signature Loans
Loan Term
Rate (APR**)
**APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Line of Credit
**APR = Annual Percentage Rate. Some restrictions may apply. Published rate is the lowest rate. Your rate may vary, based on creditworthiness, amount financed, and loan terms. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the Wall Street Journal prime rate plus a spread determined internally by the Credit Union.