Personal Loans

No matter what you may be looking to finance, PCT Federal Credit Union’s personal loans have you covered. We offer everything from personal loans to fuel lines of credit and more! By choosing PCTFCU, you have a financial partner for whatever you may need. Check out our personal loan offerings to find which one is best for you!

Personal Loans

PCT Federal Credit Union is your reliable Financial Partner, ready to assist whenever you require financial solutions. We understand that your goals matter, which is why our Personal Loans at PCTFCU offer a pathway to realizing your aspirations without straining your budget.

With flexible repayment terms and competitive rates, we ensure that your borrowing experience is tailored to your unique needs. Whether you're aiming to consolidate debts, embark on home improvement projects, or cover unexpected expenses, our Personal Loans provide the support you need.

  • Loan Amounts up to $25,000

  • Rates available 7.99% for up to 36 months or 8.99% for 37-60 months for those borrowers meeting the qualifications for our best rates

Share Secured Loans

Need access to funds without touching your hard-earned savings? Consider our Share Secured Loan, a smart way to leverage your money while retaining the security of your savings. With this option, you can tap into the resources you require while keeping your financial foundation intact. Our Share Secured Personal Loan offers the advantage of competitive interest rates, helping you achieve your goals with ease. Whether it's for home improvements, educational expenses, or any unexpected costs, this loan type provides the flexibility you need.

With our Share Secured Loans, you can borrow up to 90% of your total savings account balance, ensuring you have the freedom to cover various personal expenses without depleting your savings. Experience the benefits of our Share Secured Loan and let your Personal Loans enable financial growth while safeguarding your hard-earned funds.

Specialty Loans

Winter Wonder Loan

This holiday season, bring your dreams to life with PCT Federal Credit Union's Winter Wonder Loan! Borrow up to $3,000 with rates as low as 6.99%—perfect for holiday shopping, winter getaways, or cozy home upgrades. Whether you're planning festive surprises or simply want to warm up your winter finances, our Winter Wonder Loan offers the perfect blend of cheer and convenience.

Energy Loan

Stay cozy this winter with energy-efficient upgrades that keep the warmth in and the cold out! PCT Federal Credit Union’s Energy Loan, with rates as low as 6.99% for 12 months, is the perfect solution to help you finance essential home improvements like insulation, heating systems, and window upgrades. Don’t let the winter chill raise your energy bills—take advantage of our affordable rate and start saving on heating costs this season.

Overdraft Line of Credit

Things not going according to plan? No worries – our Overdraft Line of Credit and Personal Loans have your back. Life can bring unexpected emergencies or mistakes, and that's where our Overdraft Line of Credit steps in to safeguard your Checking Account.

The best part? This financial safety net offers automatic advances without per-item charges, ensuring that you're covered seamlessly. With no additional hassle or fees, your account remains protected. Plus, you'll appreciate that interest only accrues on the outstanding balance, providing convenience without the fear of high charges. Trust in our Overdraft Line of Credit and Personal Loans to keep your finances on track, even when the unexpected arises.

Overdraft Line of Credit Perks:

  • You can take advantage of automatic advances with no per-item charges

  • Your account is covered without any additional hassle or fees

  • Interest on the account only accrues on the outstanding balance, so you can enjoy convenience without worrying about high charges