Personal Loan Options

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
Man at home looking at laptop and smiling

FastCash

Quick Access to Cash

  • UP TO $1,000 SHORT-TERM LOAN
  • NO CREDIT CHECK REQUIRED
  • Simple Application Process Available under "Additional Services" on Online Banking or "More" menu on Mobile Banking
Show Me How to Apply

Personal Line of Credit Options

Couple online shopping together on laptop on the couch

SecurePal

Establish or Rebuild Credit
— Line of Credit Secured by Your Savings
— As low as 5% Interest / 5% APR1
— No Credit Check Required

Apply in Branch
Young family with baby standing on the beach

NuPal

Pre-Approved Line of Credit Used As Overdraft Protection Or As A Personal Line of Credit
— 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

FastCash

+Up to 3 Months$200 – $49928%$69.80 – $174.16
(based on 3-month term)
  • TermUp to 3 Months
  • Amount$200 – $499
  • Annual Percentage Rate "APR"
    — Effective 8/5/2020
    28%
  • Example Payment$69.80 – $174.16
    (based on 3-month term)
+Up to 6 Months$500 – $100028%$90.27 – $180.54
(based on 6-month term)
  • TermUp to 6 Months
  • Amount$500 – $1000
  • Annual Percentage Rate "APR"
    — Effective 8/5/2020
    28%
  • Example Payment$90.27 – $180.54
    (based on 6-month term)
 TermAmountAnnual Percentage Rate "APR"
— Effective 8/5/2020
Example Payment

There is a $20 non-refundable application fee. This fee is charged to all members as soon as the application is submitted whether or not the loan is approved or denied. Application fee waived through December 31, 2020. Amount and term based on membership relationship. Must be consumer account established for 90 days and in good-standing with regular deposit history. Eligible members must be primary accountholders age 18 and older. Active military and their dependents are not eligible due to the Military Lending Act regulations administered by the Department of Defense. Only one FastCash loan at a time, with no more than three FastCash loans within a six-month rolling period are permitted. FastCash loan applications are only available through the online or mobile banking platform. Not eligible for rate discounts. All programs, rates, terms and conditions are subject to change at any time without notice.

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.