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Personal Loan

Cover costs without draining your savings. Bank better, live better — apply online today.

 

Types of Personal Loans We Offer

At Centric Federal Credit Union, our personal loans are designed to support a wide range of financial needs. Whether you’re facing an unexpected expense or planning something special, we’re here to help. Common uses include:

  • Debt Consolidation: Combine multiple high-interest debts into one low monthly payment.

  • Medical Expenses: Cover surgery, prescriptions, or emergency healthcare costs.

  • Emergency Repairs: Get funds fast for urgent home or vehicle repairs.

  • Special Events: Finance weddings, vacations, or major life milestones.

  • Everyday Needs: Bridge the gap between paychecks, or take care of seasonal expenses.

 

Benefits of a Centric Personal Loan

Choosing a personal loan from Centric means you’ll enjoy:

  • Fixed Rates: Predictable monthly payments that won’t change over the life of your loan.

  • Flexible Terms: Borrow only what you need, with repayment options that work for your budget.

  • Local Approvals & Service: Get personalized, friendly support from people who live and work in your community.

 

Ready to Apply?

Take control of your financial future with a personal loan that works for you.
Apply Now or Visit a Center to get started today.

Loan Options

Signature Loan

  • Unsecured loan (no collateral required)
  • Fixed interest rate
  • Payments can be made with automatic transfer

Share Secured Loan

  • Secured with your Centric Share Savings Account
  • Loan amount determined by balance of account used as collateral
  • Fixed interest rate
  • Interest rate is 3% above dividend rate of funds to be secured
  • Payments can be made with automatic transfer

Share Certificate Secured Loan

  • Secured with your Share Certificate Account
  • Loan amount determined by balance of account used as collateral
  • Fixed interest rate
  • Interest rate is 2% above dividend rate of funds to be secured
  • Terms determined by maturity date of Certificate
  • Payments can be made with automatic transfer

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