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HOLIDAY CLOSURE: All TCT Branches will be closed Thursday & Friday, November 26 & 27 for Thanksgiving. After-hours Debit Card support and Phone Teller information is available here.

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Personal Loans
Home > Borrow > Other Loans > Personal Loans

A Personal Loan or Line of Credit can help when you need it.

Even if you've managed to set aside some funds for an emergency, you can't always be prepared for life's twists and turns. At TCT, we're here to help when you need it most. TCT offers low rates with fast, personal, and confidential service. 

Holiday Loan Special

TCT is here to help our members save money this holiday season by avoiding higher-interest credit card debt. Personal loan rates as low as 1.49% APR* for a 12-month term are available for a limited time; must apply now - January 31, 2021. 

To get started, you can apply online, or complete the form below, or call and request to speak with one of our Member Service Specialists about your financing goals.

Personal Loan

Personal Loans come in handy when you have a large expense that may take a little longer to pay off than a credit card purchase. 

  • Minimum $500, Maximum $30,000
  • Terms up to 5 years

Personal Line of Credit

Our personal credit lines offer you peace of mind when you're faced with unexpected costs. 

  • Minimum $500, Maximum $20,000
  • Advances made in $100 increments
  • APR as low as 8.96% APR*

12 MO.

APR as low as


Personal Loans
36 Mo.

APR as low as


Personal LOC

APR as low as


Overdraft LOC

APR as low as


*Annual Percentage Rate (APR) for this loan special is as low as 1.49% APR for up to a 12-month term and includes a 0.25% APR discount for automatic payment through a TCT checking account or payroll deduction. Your rate may vary based on individual creditworthiness. Rate is current as of October 1, 2020. Minimum loan amount is $500. Maximum loan amount is $20,000. A sample payment based on the disclosed rate of 1.49% APR for a 12-month term and $1,000 loan amount, the monthly principal and interest payment would be $84.01. The Holiday Loan Special is offered for a limited time: October 12, 2020, through January 31, 2021. TCT FCU reserves the right to withdraw the special offer at any time without notice. Financing is available to TCT Federal Credit Union members only, for membership eligibility call for details.


Ask about a Personal Loan
Completion of this information request form does not constitute a loan application.
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