Personal Loans

At USE Credit Union, we understand that personal expenses can quickly add up, especially during certain times of the year. That’s why we offer affordable personal loans to help lessen the burden. Need more money for the holidays? We can help! Is your tax bill higher than previous years? We offer great personal loans for tax season. Are you worried about school-related expenses for your child? We can get you a loan for that too. Let us help you get the money you need when you need it.

USECU Personal Loan Perks:

  • Can be used to finance home furnishings, computers, family vacations, and more!
  • Affordable repayment terms
  • No penalty for early repayment
  • Quick approval process
  • Simple Interest Loans means that interest is only calculated on unpaid outstanding principal balance
  • Competitive interest rates
  • Option to add various payment protection products such as Credit Life and Disability Insurance

Personal Tax Loans

Tax season can be a stressful time for everyone. Not having enough money to pay your IRS tax bill can be a big problem but at USE Credit Union, we’re ready to help carry the load if you’re feeling burdened with taxes. Don’t let the IRS interest and penalties add up; take advantage of our affordable tax loans! A USECU personal loan can be less costly and more convenient for you.

Holiday Personal Loans

The holidays can be an expensive time of year. Between stuffing stockings, gift buying, traveling and holiday entertaining, it adds up quickly. If you’re worried about coming up short over the holidays, a holiday personal loan is an easy and affordable option.

Personal Loans for School Expenses

As your kids gear up to return to school, don’t stress about back-to-school expenses. With a convenient USECU personal loan, you’ll have the extra cushioning you need to cover sports and activity fees, school clothing, classroom supplies, moving expenses, tuition, and more.


Line of Credit - revolving Rates as low as 9.50% - 18.00%
Unsecured Loan
Up to 12 months Rates as low as 9.50% - 17.00%
Up to 24 months Rates as low as 9.50% - 17.50%
Up to 36 months Rates as low as 9.50% - 18.00%
Up to 48 months Rates as low as 10.50% - 13.50%
Up to 60 months Rates as low as 10.75% - 13.75%
Share and Share Certificate Secured loans are 4% over the dividend rate.

Certain credit criteria and restrictions apply.
*APR is Annual Percentage Rate.
Personal loan rate effective June 01, 2024.
A fixed rate loan for $10,000 based on an 9.00% APR paid over 36 months would have 36 monthly payments of $318.04.

For additional information, contact a Member Service Representative at 713-595-3400 or send an email to: