PERSONAL LOANS
We offer a better way to borrow.
Consolidate debt or cover expenses with this smart option.
Have questions?
Current Personal Loan rates
Unsecured Personal Loans
| Term | APR1 As Low As | Payment Per Thousand |
|---|---|---|
| 24 Months | 9.99% | $46.14 |
| 36 Months | 10.49% | $32.50 |
| 48 Months | 10.99% | $25.84 |
| 60 Months | 11.49% | $21.99 |
| 72 Months | 12.49% | $19.81 |
| 84 Months | 13.49% | $11.24 |
| Accurate as of 10/15/2025 | ||
Calculators
- What’s the monthly payment? Plug in a few details to determine the cost of your monthly loan payment.
- How do the loans stack up? Compare loan variables and get the complete picture with our calculator.
- When will my card be paid off? Project your card payoff date and interest paid using our calculator.
- What’s my debt-to-income ratio? DTI is a factor when you apply for a new loan. Learn yours now.
Save $165 By Choosing Connexus*
Source: Datatrac. Rates as of October 15, 2025Our Rates
National average
Big Savings
Why use a Personal Loan?
Brenda
PennsylvaniaBenefits of credit card consolidation
Ready to ditch that credit card debt? Use a Personal Loan to consolidate.
With such a difference between Personal Loan rates and credit card rates, consolidating could save you thousands. In fact, the lowest available APR for a Connexus Personal Loan is 9.99%1, while the national average credit card APR is 28.67%6.
Learn more about Personal Loans
Related blog posts
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.
Personal Lines of Credit
A personal line of credit is a great solution if you have unexpected expenses. Our Flex and FlexPlus Lines of Credit are treated as a loan, so you only pay interest on the funds you actually borrow.
Features
- Multiple interest rate adjustment options — Flex Line of Credit adjusts monthly. FlexPlus Line of Credit adjusts quarterly.
- Flexible Line Amounts — Flex Line of Credit amounts range from $3,000 to $15,000. FlexPlus Line of Credit amounts range from $5,000 to $25,000.
- Low payments — Minimum payments are 2% of the balance3,4.
- No collateral required — You can feel safe about your borrowing.
- No annual fees — Fewer fees mean more money in your pocket.
- Biweekly payment option available — Two biweekly payments equal one monthly payment.
Available loan features
Debt Protection
We offer life, disability, and involuntary unemployment coverage. See more information.
FAQs: You Asked. We Answered.
Disclosures
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 10.490% APR compared to 11.134% APR for the National market average over the life of a $15,000 unsecured loan over 36 months. Accurate as of: 10/15/2025. Source: Datatrac
- APR=Annual Percentage Rate. Rates effective as of 10/15/2025 and subject to change. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. 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 application information, credit history, and selected loan term and amount and include all eligible discounts. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Loans currently financed with Connexus Credit Union are not eligible.
- 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 $150.84 is based on a loan amount of $5,000 and a 36-month term.
- Rates adjust monthly based on prime plus a margin and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 2% of the outstanding balance. Payment of $200 is based on a loan amount of $10,000. Loan amount minimum is $5,000; loan amount maximum is $25,000. Only the most creditworthy applicants qualify for the lowest rates. Certain fees may apply, please refer to the Fee Schedule for more details.
- Rates adjust quarterly based on prime plus a margin and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 2% of the outstanding balance. Payment of $200 is based on a loan amount of $10,000. Loan amount minimum is $3,000; loan amount maximum is $15,000. Certain fees may apply, please refer to the Fee Schedule for more details.
- 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 or Share Secured Loan.
- APR = Annual Percentage Rate. The national average credit card rate was 28.67% APR on May 27, 2025, according to Forbes Advisor.