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Personal Loans

To meet the needs of every borrower, TCCU offers a range of personal loans, both secured and unsecured

Debt Consolidation

Reduce your monthly expenses and retire debt in a shorter amount of time by consolidating debt to start living a refreshed life!

  • Up to $15,000 for up to 36 months
  • Competitive low rates
  • Flexible repayment terms
  • Easy application process
  • No hidden fees

Now offering a Debt Consolidation Special!
Start 2024 living the single life.  Consolidate all those smaller bills and payments, into one SINGLE payment. 

  • Borrow up to $15,000 (As low as 8.99% APR*)
  • Terms up to 36 months
  • Promo ends March 31, 2024

Education Loan

It pays (and costs) to be smart.

Borrow from TCCU to pay for college or post-secondary education.

• Get up to $4,000 per semester or term, maximum $30,000
• Pay for college or other specialized training
• Defer your first monthly payment up to 45 days

Not enough? Check out the Texas Extra Credit loan from TCCU partner Higher Education Servicing Corp.

Lifestyle Loan

An expensive wedding, or an unexpected surgery for your pet. There are times when a traditional loan just won’t cut it. You need something a little different that fits your lifestyle.

  • Weddings
  • Quinceañera
  • Medical & Unexpected Expenses

Line of Credit

It’s like a credit card, without the card. And a lower interest rate. Great to use when you’re faced with something unexpected. When you make your monthly payment, that amount becomes available again for you to use.

Credit lines up to $10,000. Available to you whenever you need it. Access it at a branch or through eBanking.

Overdraft Protection

Overdraft Protection extends credit to checking account holders to ensure payment of authorized withdrawals, such as checks or automated payments, in the event that their checking account is overdrawn. This protection helps you avoid the high cost of non-sufficient funds fees and the embarrassment of having items returned unpaid.

Payday Plus Loan

Need emergency cash? Don’t let payday lenders take you for a ride with high-interest rates and fees. We can help! Our PayDay Plus Loan will also benefit you by helping improve your creditworthiness.

  • Annual percentage rate: Up to 18% APR*
  • Repayment period: Up to 6 months
  • Maximum Loan Amount: $1,000

Personal Loan

It’s personal.

Remove the window between you and shopping and get that special something you’ve been wanting with a personal loan. Made especially for you.

• Affordable rates
• Flexible repayment terms

Rapid Loan

Imagine it’s the weekend, and you need cash in a flash. Don’t wait ‘til Monday. Get up to $1500 deposited into your checking account in just six clicks. That’s it.

  • Must be a member for at least 3 months to apply
  • Must have aggregate deposits of at least $625 for the last 60 days
  • Must not have an outstanding TCCU Payday Plus loan
  • No credit check
  • Loan amounts from $250 – $1500
  • 12 months repayment term
  • $20 application fee
  • Other conditions and restrictions apply

Savings Secured Loan

The most affordable way to borrow money is to borrow it from yourself. A savings secured loan loans you money by using the money you already have. You get a lower interest rate than you would on a traditional loan, and your money will continue to earn interest.

Second Chance Loan

Managing credit can be tricky. Even if you miss just one payment, your credit takes a huge hit. And that hit is hard to come back from. If your credit is in disrepair, this 12-month loan helps you rebuild. Because everyone deserves a second chance.

Student Loans

A Texas Extra Credit Education Loan is an alternative to a TCCU education loan.  Run by a non-profit with the mission of providing low interest rate education loans to Texas residents, this program offers student and parent loans with higher loan limits, flexible repayment terms and other borrower benefits.

Apply Now Student >
Apply Now Parent >

Program Disclosures>

Citizenship Loans | Prestamos De Ciudadania

The path to citizenship isn’t an easy process, and it’s also an expensive one.  We’re offering Citizenship Loans to help make things just a little easier.

El camino hacia la ciudadanía no es un proceso fácil y también puede ser costoso. Estamos ofreciendo Prestamos de Ciudadanía para facilitarle su proceso.

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