PERSONAL LOANS

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Save 0.25%‍7 on your rate with promo code PERSONAL25.

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Personal Loan Comparison Table
FeaturesUnsecured LoansSecured LoansShare Secured LoansSavings Secured Loans
Annual Percentage Rate9.49% APR‍14.69% APR‍24.02% APR‍34.02% APR‍4
TermRange from
24–84 months		Based on collateral
age and value		Up to 120 monthsUp to 120 months
Proof of Income RequiredYesYesYesYes
Collateral RequiredNoYesYesYes
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Unsecured Loans

Personal Loan Comparison Table
FeaturesUnsecured Loans
Annual Percentage Rate9.49% APR‍1
TermRange from
24–84 months
Proof of Income RequiredYes
Collateral RequiredNo
 Open an account

Secured Loans

Personal Loan Comparison Table
FeaturesSecured Loans
Annual Percentage Rate4.69% APR‍2
TermBased on collateral
age and value
Proof of Income RequiredYes
Collateral RequiredYes
 Open an account

Share Secured Loans

Personal Loan Comparison Table
FeaturesShare Secured Loans
Annual Percentage Rate4.02% APR‍3
TermUp to 120 months
Proof of Income RequiredYes
Collateral RequiredYes
 Open an account

Savings Secured Loans

Personal Loan Comparison Table
FeaturesSavings Secured Loans
Annual Percentage Rate4.02% APR‍4
TermUp to 120 months
Proof of Income RequiredYes
Collateral RequiredYes
 Open an account
Apply now View all rates
Benefits

Why use a Personal Loan?

Calculators

Common loan cases

Popular ways to use a Personal Loan

One of the best perks of a Personal Loan? The versatility. Here are a few of the common ways members use these flexible funds.

Available coverage

Debt Protection

We offer life, disability, and involuntary unemployment coverage. See more information.

Start a claim now

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Blog

Learn more about Personal Loans

How To Consolidate Credit Card Debt With a Personal Loan

Revolving credit card debt is costly. Learn how a Connexus Personal Loan can help you save big on interest costs and pay down debt faster.

5 Smart Uses for a Personal Loan

Did you know that personal loans are one of the most flexible, affordable options for borrowing funds? They offer lower interest rates than credit cards, and they can cover nearly every expense. This post will look at five scenarios where a Connexus Personal Loan makes sense.

FAQs: You Asked. We Answered.

What will my rate be?

Personal loan rates range from 9.49% APR to 18.49% APR.‍1 Your rate is determined by many factors, including application information, credit history, and selected loan term and amount.

Can I pay off my loan quicker than the payment schedule?

Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.

What is the difference between a Personal Loan and a Personal Line of Credit?

A Personal Loan has a set number of payments called the loan term (for example, 48 months). After you have made all 48 payments your loan is paid off and closed. A Personal Line of Credit has a minimum monthly payment, but no set term. You can advance your loan funds, pay it off, and repeat. It gives payment flexibility by allowing you to make the minimum payment or more, up to the full balance. The line stays open until you request it be closed.

What information do I need in order to complete my application?

To complete your application, you will need to provide:

  • Desired loan amount and term
  • Personal information (name, address, DOB, SSN)
  • Contact information (phone, email)
  • Financial information (monthly income & mortgage/rent)

You can apply online, over the phone, or at any branch location.

Can I protect myself with Life, Disability, and Unemployment coverages on my loan?

Yes, debt protection is available for all Personal Loans and Lines of Credit. See more info about our coverages or start a claim now.

Do you offer a discount on rates for current members?

Yes, we have a Member Loyalty Program that offers a 0.25% rate discount on Auto, Personal, and Recreational Loans to qualified members. To qualify for our Member Loyalty Program, you must meet one of the following criteria:

  • You have an existing loan with Connexus and have paid as agreed for 24 months or more.
  • You had a previous loan with Connexus and paid as agreed.

“Paid as agreed” means that there are no payments on your Connexus loan account or any previous merged loan (such as those from Heritage Credit Union, Bullseye Credit Union, Endura, etc.) that are reported as being 30 days or more past due in your payment or credit history.

Please note that this discount applies only to new Auto, Personal, and Recreational Loans and does not extend to existing Connexus loans. Additionally, the discount is not available for Lines of Credit and cannot be combined with any other offers or discounts.

To determine if you qualify for the Member Loyalty Program, please call 800.845.5025 to speak with one of our lenders.  

Disclosures

APR=Annual Percentage Rate

See our Fee Schedule for a list of fees you may encounter.

* Calculated based on the difference between the amount paid in interest between Connexus Credit Union’s rate at 9.490% APR compared to 10.971% APR for the National market average over the life of a $15,000 unsecured loan over 36 months. Accurate as of: 05/06/2026. Source: Datatrac

  1. APR effective as of 05/06/2026 and subject to change. Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Minimum loan amount is $1,000. Maximum loan amount is $50,000. Individual rates and terms may vary based on credit worthiness, loan terms, and application information and include all eligible discounts. Certain restrictions may apply. Loans may not be used for tuition expenses and interest may not be tax deductible. Be sure to contact a tax advisor on the deductibility of interest and charges. Loans currently financed with Connexus Credit Union are not eligible. 
  2. Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Loan amount minimum is $1,000; loan amount maximum is $50,000. Payment of $149.16 is based on a loan amount of $5,000 and a 36-month term.
  3. Rate is fixed and is based on 4% over the current savings account APY (Annual Percentage Yield). No minimum loan amount; maximum loan amount of $100,000. Payment of $217.17 is based on $5,000 borrowed for 24 months. Balance must be in a Share Certificate (Regular, Jumbo, or Bump-Up) to be eligible for the Share Secured Loan.
  4. Rate is fixed and is based on 4% over the current savings account APY (Annual Percentage Yield). No minimum loan amount; maximum loan amount of $100,000. Payment of $217.17 is based on $5,000 borrowed for 24 months. Balance must be in a Simply Free Savings or Share Certificate (Regular, Jumbo, or Bump-Up) to be eligible for the Savings Secured Loan.
  5. The national average credit card rate was 25.30% APR on March 30, 2026, according to Forbes Advisor.
  6. To receive the additional discount of 0.25%, enter the promotional code PERSONAL25 at the time of application from April 27 – June 28, 2026. Rates effective as of 04/27/2026 and subject to change. Discounted rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Offer valid on new Unsecured Personal Loans with a minimum loan amount of $10,000 and a term of at least 24 months. Maximum loan amount is $50,000. Personal Loans currently financed with Connexus Credit Union are not eligible. Individual rates and terms may vary based on credit worthiness, loan terms, and application information and include all eligible discounts. Certain restrictions may apply. Loans may not be used for tuition expenses and interest may not be tax deductible. Be sure to contact a tax advisor on the deductibility of interest and charges. Offer is not available on Lines of Credit or Secured Personal Loans and cannot be combined with any other offers or discounts. Offer subject to change or termination.