Featuring
10.99% APR

Personal Loans

Money for what you need, when you need it.

Borrow up to $35,000

Receive your funds same day!

A family running into the sun set into the beach

Use your personal loan for:

  • Travel
  • Life events 
  • Weddings
  • Car repairs

 

Apply Now

Come Visit Us

family cooking and playing in kitchen

Why Choose an FCCU Personal Loan

  • Competitive rates starting at 10.99% APR1
  • Skip-A-Pay up to twice each year1
  • Minimum $500 - Maximum up to $35,000.
  • Rate will not exceed 17.24% APR.
  • Terms from 24 months to 60 months.

Apply Now

Breathe Easy

 Skip-A-Payment for only a $4.95 monthly fee and enjoy two eligible loan payment skips in 12 months.

Related Articles

How do I make a loan payment from another financial institution?

You may use your primary Financial Institution’s Bill Pay service, mail in a check to FCCU at PO Box 840129 Houston, TX 77284, pay in person at a branch, set up ACH, pay through our Web Payment Center online ($5.00 fee) or over the phone ($15.00 fee). To process this online, click here

How do I find my account balance?

Online Banking, Mobile App, PAT, Text Banking

What if I can't repay my loan

If you default on your loan, lenders can take action that can hurt your credit and finances for years to come. This includes sending your loan to collections, reporting your default to credit bureaus and taking you to court, which could make getting new credit costly or impossible in the future.

How do I request to skip my loan payment?

To submit your request, please visit FCCU.org and login to Online Banking. From the left menu, click on Services > Skip A Pay Request. Check the box by the loan(s) you would like to skip, check the I Accept box and then Submit. Fees apply and as skip can be processed once every 6 months. Loans must be established for at least 6 months before a payment may be skipped. You may click here for full details about Skip A Pay. If you do not see any loans on the Skip A Pay form, it means you do not have any eligible loans to be skipped at that time. You may be interested in looking at Breathe Easy, our booster which allows you to skip a payment twice in a calendar year. Click here to learn more about Breathe Easy.

Why do I need a savings account to have a personal loan?

A savings account is what makes you a member of the credit union which is what unlocks all the additional products and services we offer.

What is the maximum amount of money I can request.

The maximum amount you can request can vary based on your monthly spending, creditworthiness and other factors

We use cookies to give you the best possible online experience. By clicking the I ACCEPT button or continuing to use our website, you are consenting to our Cookie Policies.