Personal Loan Features

No Early Termination Fees, Automatic Payment Options and Online Loan Management

Have More Flexibility

Secured Loans

Have More Flexibility

  • Use Collateral or An Asset to Qualify for a Larger Loan Amount
  • Rates As Low As 5.00% Interest / 5.00% APR¹
  • 48 Month - 180 Month Terms
Apply For A Secure Loan
Signature Loan

Signature Loan

No Collateral Needed

  • No Minimum Loan Amount
  • Rates As Low As 6.00% Interest / 6.00% APR¹
  • 18 Month – 48 Month Terms
Apply for My Signature
Deposit Secured

Deposit Secured

Build Better Credit

  • Borrow against Your Savings Account or Certificate
  • Secured, One-time Loan
  • No Credit Check Required
Apply in Branch
SecurePal

SecurePal

Establish or Rebuild Credit

  • Line Of Credit Secured by Your Savings
  • As low as 5.00% Interest / 5.00% APR¹
  • No Credit Check Required
Apply in Branch
NuPal

NuPal

Overdraft Protection

  • Line of Credit that Automatically Covers Overdrafts
  • Rates as low as 16.75% Interest / 16.75% APR¹
  • $4,000 Max Loan Amount
Apply for My NuPal

"I'm so grateful to Tulsa FCU for helping us overcome this... and making our dreams come true."

– Olga Busby

A Couple’s Journey to Becoming A Family In-vitro Fertilization Financing

Signature Loan Rate

+Interest Rate (As Low As)Annual Percentage Rate "APR" (As Low As) Example Payment (per $1,000)
  • Interest Rate (As Low As)
  • Annual Percentage Rate "APR" (As Low As)
  • Example Payment (per $1,000)
+18 month6.50%6.50%$58.46
  • 18 month
  • 6.50%
  • 6.50%
  • $58.46
+24 month7.00%7.00%$44.78
  • 24 month
  • 7.00%
  • 7.00%
  • $44.78
+36 month8.00%8.00%$31.34
  • 36 month
  • 8.00%
  • 8.00%
  • $31.34
+48 month9.00%9.00%$24.89
  • 48 month
  • 9.00%
  • 9.00%
  • $24.89

Rate and term based on creditworthiness. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms. Relationship discounts are not available.

Secured Rates

+Secured Loan TermInterest Rate (as low as)Annual Percentage Rate (APR)Example (per $1,000 borrowed)
  • Secured Loan Term
  • Interest Rate (as low as)
  • Annual Percentage Rate (APR)
  • Example (per $1,000 borrowed)
+48 months5.00%5.00%$23.03
  • 48 months
  • 5.00%
  • 5.00%
  • $23.03
+60 months5.50%5.50%$19.10
  • 60 months
  • 5.50%
  • 5.50%
  • $19.10
+120 months6.00%6.00%$11.10
  • 120 months
  • 6.00%
  • 6.00%
  • $11.10
+144 months6.75%6.75%$10.15
  • 144 months
  • 6.75%
  • 6.75%
  • $10.15
+180 months7.50%7.50%$9.27
  • 180 months
  • 7.50%
  • 7.50%
  • $9.27

Rate and term based on creditworthiness, amount financed and collateral. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms.

SecurePal Rates

+Interest RateAnnual Percentage Rate "APR"Example of Minimum Monthly BalanceExample of Minimum Monthly Payment
  • Interest Rate
  • Annual Percentage Rate "APR"
  • Example of Minimum Monthly Balance
  • Example of Minimum Monthly Payment
+5.00%5.00% $0-$300Lessor of balance or $20
  • 5.00%
  • 5.00%
  • $0-$300
  • Lessor of balance or $20
+$301-$600$40
  • $301-$600
  • $40
+$601-$1,000$50
  • $601-$1,000
  • $50
+$1,001-$1,500$60
  • $1,001-$1,500
  • $60
+$1,501-$2,000$70
  • $1,501-$2,000
  • $70
+$2,001-$2,500$80
  • $2,001-$2,500
  • $80
+$2,501-$3,000$90
  • $2,501-$3,000
  • $90
+$3,001-$3,500$105
  • $3,001-$3,500
  • $105
+$3,501-$4,000$120
  • $3,501-$4,000
  • $120

Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms. Relationship discounts do not apply.

NuPal Rates

+Interest RateAnnual Percentage Rate "APR"Example of minimum monthly balanceExample of minimum monthly payment
  • Interest Rate
  • Annual Percentage Rate "APR"
  • Example of minimum monthly balance
  • Example of minimum monthly payment
+16.75%16.75%$0-$300Lessor of balance or $20
  • 16.75%
  • 16.75%
  • $0-$300
  • Lessor of balance or $20
+$301-$600$40
  • $301-$600
  • $40
+$601-$1,000$50
  • $601-$1,000
  • $50
+$1,001-$1,500$60
  • $1,001-$1,500
  • $60
+$1,501-$2,000$70
  • $1,501-$2,000
  • $70
+$2,001-$2,500$80
  • $2,001-$2,500
  • $80
+$2,501-$3,000$90
  • $2,501-$3,000
  • $90
+$3,001-$3,500$105
  • $3,001-$3,500
  • $105
+$3,501-$4,000$120
  • $3,501-$4,000
  • $120

Relationship discounts do not apply.

Sign Up for Your Personalized Solution

Rates are accurate as of January 1, 2019. All programs, rates, terms and conditions are subject to change, at any time, without notice. Tulsa Federal Credit Union eligibility and membership required. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. 1Rate and term based on creditworthiness, amount financed and collateral.