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Your local credit union should be one of your first stops when you’re looking to borrow money, especially if you have a fair or bad credit score (689 score or lower). Credit union personal loans often have benefits over those of other lenders, including:
Typically lower interest rates.
Smaller starting loan amounts.
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Loan officers willing to consider factors beyond your credit score.
Table of Contents
- What is a budget?
- What is an overdraft?
- What is a W-4?
- What is the VA funding fee?
- What is a Treasury bill?
- What is a REIT?
- Investing for kids
- Bizee: Easily form your new business
- Definitions: Money Transfer Rates
- What is a backdoor Roth IRA?
- What is inventory turnover ratio?
- What are undervalued stocks?
- What is an FHA loan?
- » This page is out of date.
- See CD rates by term and type
- Mortgage rates this week
- What's an adjustable-rate mortgage?
- See how to get your business started quickly
- Find the right Medicare Advantage plan
- What is personal finance?
- What is a cashier's check?
- Net worth defined
- » This offer has expired
- What is mortgage pre-qualification?
- Coinbase is best for:
- Quick tips for where to exchange currency
- 5 Best Ways to Send Money Internationally
- Types of mutual funds
- Roth IRA taxes
- Good credit utilization follows the 30% rule
- What does it mean to pay yourself first?
- How to buy stocks in 6 steps
- What are dividend stocks?
- When is the best time of year to buy appliances?
- What is the bond market?
- Who is eligible to contribute to a Roth IRA?
- How much is an oil change?
- What is a spousal IRA?
- How much emergency fund should I have?
- 1. Determine how much to save for a down payment
- What is a Roth 401(k)?
- What is a spot Bitcoin ETF?
- What is an index fund?
- High-dividend ETFs may generate income
- How much does HBO Max cost per month?
- What is stock research?
- A few questions
- What is a target-date fund?
- What is a 401(k) rollover?
- 5 steps to fill out a money order
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Institutions with low or no overdraft fees
- What is an overdraft fee?
- Capital gains tax on stocks: Do you have to pay?
- Invest based on your goals
- 7 of the best apps to make money
- Preparing to buy tips
- What you need to open a bank account
- What is a fuel surcharge?
- How does the Fear and Greed Index work?
- Main differences
- Types of foreign ATM fees
- United fare classes: The differences
- When to follow up after no response
- 1. Google
- 7 best-performing AI stocks
- What is a premium bank account?
- 1. Grand Wailea, A Waldorf Astoria Resort
- What is a savings account?
- The hotel
- How to open an IRA
- 1. Certificates of deposit (CDs)
- 1. Report lost debit cards ASAP
- How much is YouTube TV a month?
- What is the Schedule A?
- What is forex trading?
- What is identity theft insurance?
- Credit bureau customer service phone numbers
- What is a CD ladder?
- Earn points by charging purchases
- In this issue
- 1. Shop at stores with rewards programs
- States with no income tax
- Why is personal finance important?
- What does a credit freeze do?
- Best Medicare Advantage companies
- When do I need a cashier's check?
- How to get paid on YouTube
- Which cellular network is best for you?
- 1. 'Stack' store and manufacturer's coupons
- Step 1: Choose your health insurance marketplace
- 1. Become a loyalty program member
- What is a down payment?
- Microsoft Office Excel budget templates
- 5 ways to save money when you fly Southwest Airlines
- What is Global Entry?
- How much does a wire transfer cost?
- What is a car insurance declaration page?
- What is an SBA loan default?
- What goes into the credit card interest calculation
- APY vs. interest rate: What’s the difference?
- The best car insurance
- The best budget apps
- Frugal food tips
- California state income tax brackets and rates
- Best places to sell clothes online
- Amazon credit card options
- Understand your legal rights
- VA funding fee exemptions
- Why you'll like the Apple savings account
- How do LLC taxes work?
- Best-performing REIT stocks: April 2024
- What the Federal Reserve does
- January
- 50/30/20 budget calculator
- 1. Tax on capital gains
- What are China stocks?
- How does the SALT deduction work?
- Why is having a low credit utilization important?
- Is the stock market crashing?
- General advice for international money transfers
- What is the child tax credit?
- How municipal bonds work
- The cost of education in Tennessee
- When are taxes due in 2024?
- How to use this calculator
- Know your cat's travel options
- What is standard deviation?
- What is a virtual assistant?
- The best flight booking sites
- What is net worth?
- Best Priority Pass credit cards
- Minimum wage over time
- Do rent payments affect credit?
- How to get a resale certificate
- How do CDs work?
- When are you considered a first-time home buyer?
- 1. Not delegating or prioritizing
- Auto insurance
- 1. Set your budget
- Conduct research
- What are closing costs?
- What determines your monthly car payment?
- How to manage your money
- What does this value mean?
- What is loud budgeting?
- 1. Sign up for Google Fi
- Most profitable small businesses
- Blue Cross Blue Shield Medicare Advantage
- Check your insurance coverage
- What to expect flying economy with Avianca
- What is my net worth?
- Comparing the Chase Sapphire Preferred® Card vs. the Chase Sapphire Reserve®
- What the out-the-door price includes
- Best-performing marijuana stocks
- 1. Open an IRA
- Best-performing U.S. equity mutual funds
- 1. Get a credit-builder loan
- 6 types of investments
- How to estimate your home insurance
- 5 ways to get free flights
- What is plumbing insurance?
- Robinhood is best for:
- Coinbase at a glance
- 1. Airlines, including Delta, aren’t required to provide compensation for delays
- $0
- $0
- 1. The best credit cards fit your goals
- 1. Check your account statements
- How do credit union loans work?
- How long will an accident stay on my record?
- In this article
- Late winter and early spring
- What are travel cards?
- HELOCs and home equity loans compared
- Normalize the feeling
- How does a credit-builder loan work?
- How Treasury bills work
- How pay yourself first budgeting works
- 1. It’s no longer available to new applicants
- What is life insurance?
- 1. You can build credit without a security deposit
- 1. The courthouse
- Best ways to consolidate credit card debt
- Ask for documentation
- 1. How Sofitel Club Millésime works
- What is the gift tax?
- Good check, bad check
- How does PNC Bank handle overdrafts?
- Do medical bills affect your credit?
- National first-time home buyer programs
- Passport photo clothing requirements
- LLC vs. corporation, summarized
- Key takeaways
- What are the benefits and drawbacks of premium bank accounts?
- How to find a currency exchange near you
- 1. There are two Merrick Bank credit cards
- Take advantage of enrollment periods
- Average retirement savings balance by age
- What happens to the World of Hyatt partnership?
- How to budget money
- The Wells Fargo overdraft fee
- Roth 401(k) vs. traditional 401(k): Where they differ
- Best fleet fuel cards
- How to fill out Schedule A
- How to change your credit card due date
- How to compare FHA vs. conventional loans
- Average savings account rate: 0.46%
- What are gold stocks?
- Program reach
- TAP Air Portugal partner airlines
- What are estimated tax payments?
- Why buying a home in 2021 will be tough
- How to consolidate your debt
- 1. ‘I love this car!’
- Cash back
- 1. Disney military discounts
- A
- How to use the pre-qualification calculator
- Will savings rates go up?
- How to use the American Express travel concierge
- How does alternative lending work?
- What is adjusted gross income (AGI)?
- Your car loan's impact on your credit score
- 1. Fill in the recipient’s name
- Roth IRA taxes on earnings
- Discover savings bonus
- 11 best investments right now
- You may need your equity later
- How do expense trackers work?
- What is an overdraft fee?
- Do you pay taxes on stocks you don't sell?
- If you have private insurance
- Steps to transfer money from one bank to another
- The best money-making apps
- Easier comparisons could lead to savings
- Average 401(k) balance by age
- How to make money online
- Factors to consider
- Why does tipping matter?
- Wells Fargo Active Cash® Card
- Debt consolidation
- How to save for retirement in three steps
- Investment account types
- What to expect when flying Qatar Airways
- The cons of Airbnb
- 1. 529 Savings and investing accounts
- 1. Reward rates are solid …
- At a glance
- What is the 10-year Treasury?
- Why the Chase Sapphire Preferred® Card is better for most people
- Best credit cards with no credit check
- Wise
- How to get cash from a credit card at an ATM or bank
- How much money can you put in a Roth IRA?
- Investing in Bitcoin
- Oil change prices at chain shops
- How spousal IRAs work
- 1. Don’t assume any one company is the cheapest
- Roth IRA income limits
- Why are stocks undervalued?
- The best life insurance for seniors in April 2024
- The pros of the Delta SkyMiles program
- How to protect your credit
- Elite status tiers
- Top 11 spot Bitcoin ETFs by fee
- How do index funds work?
- Mint vs. NerdWallet at a glance
- United℠ Explorer Card
- 7 high-dividend ETFs
- What you’ll get with the Capital One Venture Rewards Credit Card
- 4 steps to research stocks
- 1. Check your calendar
- Why is it called fiat currency?
- Meme coin mayhem
- Why is your Capital One card suspended?
- Are student loans deferred if you go to grad school?
- What is a mortgage rate lock?
- Mortgage rates should trend a little lower
- Summary of cash advance apps
- Rolling over your 401(k): The options
- Your monthly payment could increase
- Rite Aid
- Robinhood at a glance
- How to read a car insurance declaration page
- 1. They offer lucrative rewards for popular spending
- What happened at the MOHELA Senate hearing
- How a home equity sharing agreement works
- What’s the purpose of a budget?
- Renting a Kyte car
- Major credit card issuers' co-signer policies
- What is the 50/30/20 rule?
- What happened to gas prices in March?
- 20 high-dividend stocks
- Where can you buy lottery tickets with a credit card?
- Differences between an LLC and a corporation
- How to lower your credit utilization
- What is a stock market crash?
- On-time percentage
- 5 steps to get preapproved for a home loan
- How to invest in municipal bonds
- 9 Small Luxury Hotels of the World properties to look forward to booking with Hilton points
- What are the drawbacks of private student loans?
- Why you need a savings account
- 1. There’s a prequalification process
- 529 plan rules
- How is inventory turnover ratio calculated?
- What is the average American net worth?
- What does identity theft insurance cover?
- Credit bureau self-service websites
- 1. Affirm
- Banking
- ARMs vs. fixed-rate mortgages
- How much are closing costs?
- 2. Install a browser extension
- 1. Take inventory of your finances
- A quick answer, most of the time
- Examples of personal finance in everyday life
- How to place an Equifax credit freeze
- Best for size of network: UnitedHealthcare
- Young homeowners love to DIY
- Where can I get a cashier’s check?
- 2. Find a coupon database or a browser extension
- Top target-date funds with low costs for 2024
- Compare car insurance rates by age
- How does a home equity loan work?
- Or will savings rates go down?
- Key context
- Who can get Global Entry?
- Wire transfer fees by financial institution
- Why you should get preapproved for an auto loan
- Current Discover bonus categories
- Cheap car insurance
- Equity funds
- 2. Categorize your expenses
- YNAB, for hands-on zero-based budgeting
- Are fees charged for every overdraft I make?
- How to fill out a W-4
- How to calculate your credit utilization ratio
- Are we in a recession?
- Before you dispute a credit card charge
- How to calculate your home equity
- How much is the VA funding fee?
- Best-performing REIT mutual funds: April 2024
- 2. At home
- The 411 on 401(k) plans
- 2. ABLE accounts
- Carfax may offer more details
- How much is the child tax credit worth?
- When can you no longer contribute to a Roth IRA?
- Financial aid options in Tennessee
- Compare Roth 401(k) vs. traditional 401(k)
- How to choose the best crypto wallet
- How we ranked the top life insurers
- What can I add on to YouTube TV?
- Understanding forex trading
- Best car insurance in Florida overall: Travelers
- 7 best gold stocks by one-year performance
- Get 25% more value when you redeem points for travel
- What does it mean to live in a state with no income tax?
- Disaster-proof your credit
- Student debt cancellation could alleviate credit trouble
- Why marijuana stocks are unique and risky
- Do you need to put 20% down on a house?
- Google Sheets budget templates
- Before the pause: Copy records and check your PSLF status
- Steps for filling out the FAFSA if you have a deceased parent
- New York state income tax rates
- Who needs plumbing insurance?
- What happens if you default on an SBA loan?
- Grace period
- Which one is important to know for savings accounts?
- Frugal shopping tips
- Earning Chase Ultimate Rewards points
- Median 401(k) balance by age
- Check in with your body
- Who benefits the most from credit-builder loans?
- How is the Fear and Greed Index used?
- Disney Cruise Line
- What to do with older accounts
- Episode transcript
- 2. Tax on dividends
- Top 7 Chinese stocks by one-year performance
- How to write a follow-up email after no response
- Best place to exchange currency: Your bank or credit union
- 2. You may need an offer by mail to apply
- Benefits and risks of investing in bonds
- Consider prescription drugs
- Median retirement savings balance by age
- Conventional vs. synthetic
- What you need to know about savings accounts
- Services offered by virtual assistants
- How to open a backdoor Roth IRA
- 2. Cash management accounts
- 2. Use money tips to accelerate your savings
- What is the cheapest car insurance in California?
- How Schedule A works
- State minimum wages in 2024
- Which services will report your rent payments?
- HODLing as an investment strategy
- Resale certificates: Frequently asked questions
- How to redeem TAP Miles&Go miles
- When are estimated taxes due?
- Why invest in index funds?
- Set realistic expectations
- How SAVE differs from other student loan repayment plans
- 2. Consider your online options
- Recent averages for factors that affect a car payment
- What gives fiat currency value?
- 2. ‘I’ve got to have a monthly payment of $350.’
- UnitedHealthcare Medicare Advantage
- How can I get a cashier’s check?
- 1. Brigit: Best for budgeting tools
- Best affordable homeowners insurance in California: Travelers
- How do I decide whether to pay it off early?
- 2. Write your address in the purchaser section
- So which is better, Robinhood or Coinbase?
- 2. Delta will keep customers informed about delays
- The verdict: Are Discover savings bonuses worth it?
- Best credit union personal loans for 2024
- Pros and cons of home equity sharing agreements
- Holiday weekends
- T-bill purchase example
- 2. Bonus categories are on par with similar cards ...
- How LLCs pay income taxes
- What does life insurance cover?
- 2. The cash-back rewards are impressive …
- Best-performing REIT ETFs: April 2024
- Talk with the mechanic
- February
- Co-signer vs. authorized user
- How the annual gift tax exclusion works
- What are the terms for using a check as cash?
- 3. Certificates of deposit
- Dress code tips for passport photo
- What is the SALT deduction?
- What to do during a stock market crash
- Biden's student loan forgiveness 'plan B' would be more targeted
- 2. Waldorf Astoria Los Cabos Pedregal
- Where to stash your emergency fund
- Which is best for you?
- The most undervalued stocks in the S&P 500
- Why you may need to reskill to get a new career
- How to redeem rewards with the Capital One Venture Rewards Credit Card
- 2. Not saving for retirement
- Best homeowners insurance in Hawaii for affordability and coverage: State Farm
- Our take
- 2. Shop for a loan
- Marriott points calculator
- Loud budgeting can help you save more, find support
- 2. Get free overseas data using T-Mobile and Sprint
- When should you lock a mortgage rate?
- Can you upgrade the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®?
- Should you choose postpaid or prepaid?
- Step 2: Compare types of health insurance plans
- 2. Save with best rate guarantees
- Differences between TSA PreCheck and Global Entry
- Roth IRA taxes on withdrawals
- What does that mean for insurance rates?
- How are stocks taxed?
- Amazon personal credit cards at a glance
- Neobanks: Their role, disadvantages and benefits
- What happens during a recession?
- The Federal Reserve, mortgage rates and inflation
- 3. An Airbnb or hotel rental
- Investing for income: Dividend stocks vs. dividend funds
- What is the 10-year treasury yield today?
- Chime Secured Credit Builder Visa® Credit Card
- Preapproval is not the same as pre-qualification
- How to use cash advance convenience checks
- 2. Don’t ignore local and regional insurers
- 2. Account frozen? Submit documentation
- 2. It’s heavy on the fees
- 8 best hot wallets
- FHA vs. conventional loans
- Average net worth by age
- Who needs to file a Schedule A tax form
- Current forex trading rates
- When to change your credit card due date
- The pros and cons of a life insurance trust
- Earning rewards
- Best car insurance in Michigan overall: Auto-Owners
- Who offers first-time home buyer assistance?
- Can you live off ETF dividends?
- Is an ARM a good idea?
- Debt consolidation calculator
- 3. Ask for manufacturer coupons
- Pros and cons of living in a state without income tax
- Make a financial emergency kit
- 2. Universal Studios military discounts
- Use out-the-door price when negotiating
- How to choose the best mutual funds for you
- What’s behind the pre-qualification calculation?
- What is the federal funds rate?
- 2. Open a secured credit card
- How to calculate adjusted gross income
- 3. Include your account number if you're paying a bill
- Cheap car insurance in Florida
- Example of the difference between APY and interest rate
- 2. The best credit cards fit your lifestyle
- You’re deeply in debt
- Best iOS personal expense tracker apps
- Why is budgeting important?
- Overdraft protection
- Ways to deal with overdrafts
- Discretionary income explained
- Why are gas prices going up?
- Optional service: PNC Overdraft Coverage
- 3. Get ready to pay some fees
- Spousal IRA rules
- Best life insurance for seniors in April 2024
- Does raising the minimum wage cause inflation?
- Information you’ll need
- How to build a CD ladder
- Other alternatives to Mint
- Enjoy the card’s other valuable perks
- Compare brokers
- A hard pull, in some cases
- Who can use the sweat equity feature?
- Calculating net worth: What are assets and liabilities?
- 3. Read the fine print
- Outlandish Amex concierge reservations and requests
- Differences between traditional and alternative lending
- 3. Build a budget that works for your expenses
- How we got here
- Use a credit utilization calculator
- For people with Medicare
- Average 401(k) contribution rates
- Learn your triggers
- How to open the Apple high-yield savings account
- Should you tip all kinds of massage therapists?
- Iowa Finance Authority highlights and eligibility requirements
- Do credit card issuers allow buying lottery tickets with a credit card?
- Flight cancellations
- What are the requirements for a premium bank account?
- What are the Roth IRA rules for withdrawals?
- What if I didn't make the 2024 tax deadline?
- What do financial pros say about Bitcoin?
- Savings accounts with strong APYs can help your money grow
- Airfare
- 3. Ask about discounts
- Historical national rates
- Types of gold stocks
- 3. Call your company
- How to determine your closing costs
- 13 fundamentals of personal finance
- C
- But home prices won’t fall much, if at all
- How to choose marijuana stocks
- 2. Set financial priorities
- Minimum down payment requirements
- NerdWallet’s budget planner
- You might not qualify for the student loan interest deduction
- Is there an upside to keeping a loan?
- 3. Delta will rebook you on the next available flight
- Current Chase bonus categories
- 2. Some rare features stand out
- 4 investments to consider during a recession
- About home equity loans
- Mortgage selection tips
- 3. ... But there’s a hard cap on annual cash-back earnings
- How do REITs work?
- Co-signer vs. joint account
- 2. Club Millésime lounge locations vary
- What does the 0% APR period mean for purchases?
- 4. Custodial brokerage account
- 2. … But redemptions are limited
- Pros and cons of buying Chinese stocks
- Requirements: Who qualifies for the child tax credit?
- Another money-change option: online currency converters
- Lube shops vs. dealerships
- How do you calculate standard deviation?
- 3. High-yield money market accounts (MMAs)
- Optional Wells Fargo overdraft services and associated fees
- 3. Ask your bank for relief
- 3. Keep down payment savings in the right account
- How we chose the cheapest companies in California
- Best car insurance in Florida for your budget: Geico
- 2. Afterpay
- What is a Bitcoin strategy ETF?
- Estimated tax payments 2024
- What is an index?
- Credit cards
- How credit scores affect monthly car payments
- Limitations of fiat money
- 4. Search a coupon database or app
- How do Marriott Bonvoy points compare to other hotel programs?
- 3. ‘My lease is up next week.’
- How to make this a habit, not a passing trend
- How long can you lock in a mortgage rate?
- Why invest in target-date funds
- Should I choose a home equity loan or a HELOC?
- Joann
- 4. Sign the bottom where it says 'purchaser’s signature'
- What types of insurance do plumbers need?
- Average daily balance
- APY to interest rate calculator
- Roth IRA taxes vs. traditional IRA taxes
- How do you start a budget?
- Prime Visa
- How much are Chase Ultimate Rewards® points worth?
- How to avoid fuel surcharges on award travel
- Make a case for a dispute
- March
- 3. Taxes on investments in a 401(k)
- AutoCheck is better for the price conscious
- Episode transcript
- Why you should be cautious when it comes to cash advances
- What are AI stocks?
- Types of bonds
- Think hard before giving up your Medigap plan
- Understand the costs of each
- What is a good inventory turnover ratio?
- How much is YouTube TV for 1 year?
- How to read a forex quote
- Do all workers earn at least the minimum wage?
- When you need to contact all bureaus vs. just one
- First-time home buyer benefits and programs
- Numerous obstacles to retraining
- Know where you'll compromise
- Our tips
- 3. Determine other ownership costs
- 4. Contact the IRS
- When debt consolidation is a smart move
- 2. Build a money management blueprint
- How to deal with a suspended credit card
- How to defer loans while in grad school
- 3. Spend strategically on hotel credit cards
- What the Senate subcommittee is arguing
- During the pause: Most borrowers should keep making payments
- Cheapest for 20-year-old drivers
- 4. If you’re inconvenienced overnight, Delta will provide hotel accommodations or offer compensation
- Get a secured credit card
- But it wasn’t my fault
- What you’re buying won’t outlive the debt
- Frugal entertainment tips
- Overdraft fees by institution
- All year
- For credit and savings
- Put your dispute in writing
- Decide what type of account you want: checking vs. savings
- Treasury bill rates compared to other Treasury securities
- 3. … but the fees will take a bite out of that cash back
- Limitations of the Fear and Greed Index
- 4. Parks and beaches
- Retirement investment account types in a nutshell
- How to avoid paying bank fees while traveling
- Optional service: PNC Overdraft Protection
- OFX
- How far in advance should I get preapproved for a mortgage?
- Should I use a premium bank account?
- 4. Neither card offers perks
- Retirement savings by age
- Types of municipal bonds
- What are the drawbacks of federal student loans?
- How to open a spousal IRA
- Backdoor Roth IRA rules
- How to find undervalued stocks
- How to calculate your net worth
- What items can be deducted on Schedule A?
- Sync your due date with your payday
- Aeroplan® Credit Card
- How to invest in dividend ETFs
- Aim for the most valuable uses of your Venture miles
- Use the rental car insurance
- 5. Visit retailer websites and apps
- Travel
- Best for extra perks: Aetna
- How the sweat equity feature works
- 3. Six Flags military discounts
- How much does a cashier’s check cost?
- 4. Learn your store’s coupon policy
- Benefits of both cards
- 2. Empower: Best for fast cash
- Elevated interest rates and bank failures
- Best homeowners insurance in California for coverage: Chubb
- Best car insurance companies: Our winners
- California income tax deadlines and extensions
- How is discretionary income calculated?
- Look for ways to reset
- How to choose and manage a credit-builder loan
- How does life insurance work?
- REITs' average return
- How to get medical bills off credit reports
- 5. High-yield savings account
- Price vs. yield
- 2. Bing
- How to claim the child tax credit
- Higher Education Act justifies plan B
- Try a simple budgeting plan
- 3. Hilton Sandestin Beach Golf Resort & Spa
- How a savings account works: withdrawal limits
- 4. Monitor bank transactions online
- FHA loan requirements
- HODL and cryptocurrency
- Average interest checking account rate: 0.08%
- How does a life insurance trust work?
- Top 8 Bitcoin strategy ETFs by fee
- Best budget auto insurance in Michigan: Geico
- Who should make estimated quarterly tax payments?
- 3. Spending money on courses you don’t take
- Types of adjustable-rate mortgages
- 4. ‘I want $10,000 for my trade-in, and I won’t take a penny less.’
- 3. Buy a local SIM card in your destination
- Do you include a 401(k) in a net worth calculation?
- What’s the difference between pre-qualification and preapproval?
- Your spouse’s payments could affect your finances
- Top alternative lenders for small businesses
- What is the fee for Global Entry?
- 5. Keep your receipt
- Current Citi Dividend bonus categories
- When to use it
- 3. The best credit cards fit your spending
- What it means for your money
- Is per-card or overall utilization more important?
- Redeeming Chase Ultimate Rewards points
- The benefits of having more than one travel credit card
- How to deposit funds into the Apple savings account
- Do mortgage rates follow Fed rates?
- Will you earn credit card rewards by purchasing lottery tickets?
- Mishandled luggage
- Where to exchange currency outside the U.S.
- 4. Work on your credit
- What does standard deviation tell you about an investment’s riskiness?
- Is identity theft insurance worth it?
- Need more information?
- Best homeowners insurance in Hawaii for consumer experience: Cincinnati Insurance
- Closing costs calculator
- Fiat currency vs. cryptocurrency
- Will a suspended credit card impact your credit score?
- Ways to get good value
- But will student debt cancellation happen?
- Average mutual fund return
- The Federal Trade Commission’s budget worksheet
- How Ticketmaster is responding
- Where to find your AGI on your 1040
- Compare Roth 401(k) vs. traditional 401(k)
- 3. Redemption options have caveats
- 1. High-yield savings accounts
- Goodbudget, for hands-on envelope budgeting
- What’s next?
- Glossary of overdraft terms
- Don't forget to check the limits to savings withdrawals
- Where to find credit-builder loans
- Royal Caribbean
- 5. In the street
- Talk with your credit card issuer about a chargeback
- If you can't get your own credit card
- 3. Club Millésime lounge access can be bought or earned
- Gift tax limit 2024
- What state has the highest gas prices?
- 3. There's a modest but easy-to-snag sign-up bonus
- Avoiding the upsell
- Other transportation
- 4. Peer-to-peer lending
- Cheap car insurance in California by age
- Does YouTube TV allow password sharing?
- Why is net worth important?
- Elite status perks
- Miles&Go sweet spots
- Make decisions fast
- Does Max cost the same as HBO Max did?
- Compare: Chase Sapphire Preferred® Card vs. Chase Sapphire Reserve®
- 4. Find the right car for you
- Make sure you’re financially prepared
- 6. Check the Sunday newspaper
- How to lock in a mortgage rate
- Do you need a family cell phone plan?
- Use out-the-door price when shopping online
- How target-date funds work
- 4. Take full advantage of onsite benefits
- Does the Fed rate affect FDIC insurance?
- Which cards are eligible for the American Express concierge?
- New York state supplemental income tax
- How much does plumbing insurance cost?
- 5. You can ask for compensation
- How are dividends taxed?
- About home equity lines of credit
- Paying the VA funding fee
- How to find high-yield alternatives
- Are Treasury bills a good investment?
- The pros and cons of paying yourself first
- 4. An annual bonus cap is potentially more flexible
- Complete the process
- When are state taxes due in 2024?
- 5. Know the bank’s timeline
- 4. Resist dipping into your other savings
- 3. Carrying a balance is expensive
- It’s not only about taxes
- Bid and ask prices
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- How much do index funds cost?
- Who pays the closing costs?
- How loan term affects your monthly car payment
- 5. ‘I’ve been looking all over for this color.’
- Should you pay student loans during graduate school?
- 4. SeaWorld military discounts
- Net worth calculator
- How to get a home equity loan
- Kirkland’s
- How to lower insurance rates after an accident
- Frugal DIY project tips
- How much should you spend on a mattress?
- What if you’re unhappy with your massage?
- Types of REITs
- 6. Libraries and museums
- Saving for retirement as a nontraditional worker
- April
- Is there a balance transfer fee?
- 6. Investing for teens
- Which vehicle history report should you get?
- How to buy China stocks
- What are the risks of buying lottery tickets with a credit card?
- Why you might want The Platinum Card® from American Express
- 3. Facebook
- Research health requirements, other rules
- How to start a virtual assistant business in 6 steps
- What does inventory turnover ratio tell you?
- What if you're unable to change your due date?
- 3. Apple Pay Later
- How to qualify for first-time home buyer benefits
- 5. File taxes without a W-2
- How can you avoid a credit card suspension?
- 4. Utilize an eSIM card
- What to do once your Equifax credit freeze is in place
- E
- More new construction of single-family homes
- 5. Make a shopping list and use apps for more savings
- 3. Apply for a good card when your credit improves
- You may agree to chip in on each other's payments
- How to get Global Entry through travel cards
- Do I have to pay California state tax?
- How to get overdraft fees waived
- For Medicaid beneficiaries
- Set up automatic transfers to boost your savings yields
- Take the first step to regain control
- Bank of America® Customized Cash Rewards credit card
- PNC’s $5 safety buffer
- How many banks have collapsed?
- Iowa Finance Authority first-time home buyer programs
- 4. Tax on mutual funds
- How to invest in dividend stocks
- 5. There are no other Merrick Bank credit cards to graduate to
- Bond market vs. stock market
- Don’t count on this student loan forgiveness yet
- Should you consider municipal bonds?
- 4. Waldorf Astoria Maldives Ithaafushi
- Cheapest for 20-year-old drivers
- Does YouTube TV offer offline viewing?
- The Bitcoin ETF price war
- Your options for retraining
- 4. Not considering health care costs
- Don't take rejection personally
- Is it a good idea to consolidate credit cards?
- Anchor DIY aspirations in reality
- What if I lose the cashier's check?
- Do pot stocks deserve a spot in your portfolio?
- The importance of a direct 401(k) rollover
- Take advantage by choosing a high-yield account
- After the pause: Keep advocating for yourself
- The significance of adjusted gross income
- Categories from previous years
- Bond funds
- Find a bank that suits your needs
- 4. Getting into debt would be expensive
- 7. Aquariums and zoos
- Gift tax limit 2023
- What is the credit limit on your card?
- Another good time to buy appliances: After a new release
- Flight diversions
- Additional child tax credit
- How to increase your net worth
- Schedule A tips and tricks for itemizing
- The cons of the Delta loyalty program
- What states are increasing minimum wages in 2024?
- How to choose a rent-reporting service
- Your decision: Is HODL for you?
- Best car insurance in Michigan for having few customer complaints: The Hanover
- Diversifying with index funds
- Does HBO Max allow password sharing?
- Is the Chase Sapphire Preferred® Card's annual fee worth it?
- 6. Pick up weekly ads at the store
- Information is power
- Downsides to upgrading the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
- How to calculate an out-the-door budget
- Does pre-qualification affect your credit score?
- 5. Get bonus points by booking via cash-back portals
- More ways to take charge of your budget
- The bottom line
- What this means
- Domestic vs. international fees
- Best homeowners insurance in California for consumer experience: Nationwide
- Bottom line
- When do you have to pay taxes on stocks?
- W-4 form 2024
- Amazon Visa
- Mattress-buying tips
- Research state protections for car owners
- Get more help with monthly budget planning
- What state has the lowest gas prices?
- Is United’s basic economy worth it?
- How long do medical bill collections stay on your credit reports?
- 4. You’ll receive an instant card number upon approval
- Why is the 10-year Treasury yield important?
- Where to avoid exchanging currency
- How much to keep in your savings account
- 5. Skip comprehensive and collision coverage for an older car
- 5. Online savings accounts
- 6. Rebounding from bank account fraud
- 5. Get help with saving for a down payment
- What’s next?
- Types of life insurance trusts
- Additional functionality
- Full list of the best homeowners insurance in Hawaii
- 5. Contact the seller or visit a dealership
- How does a debt consolidation loan work?
- How a mortgage rate lock works
- Best for local support: Blue Cross Blue Shield
- F
- What borrowers can do now to prepare
- 6. Use coupons strategically
- 3. EarnIn: Best for large advances
- You may be responsible for debt after divorce
- Auto loan preapproval vs. pre-qualification
- Best options for plumbing insurance
- Get a credit-builder product or a secured loan
- Interest rate
- 4. It pays to have a Truist account
- Driving a Kyte car
- How does credit utilization affect my credit score?
- For credit building
- What causes Treasury bill rates to fall?
- 5. Categories are kept a surprise
- 8. Cafes, restaurants and bars
- What to expect when flying Singapore Airlines
- Is there a 'use by' date, and what are the terms?
- Xoom
- How to invest in AI stocks
- Food and drinks
- Does YouTube TV fit in your budget?
- Benefits of CD ladders
- Do spot Bitcoin ETFs have custodianship risk?
- Chase Sapphire Preferred® Card
- 6. Request more time to file
- Estimating your car payment
- 8. Look at the product packaging
- How has the Marriott points value changed over time?
- How to unfreeze your credit with Equifax
- Compare your net worth
- Renters might get a break
- Are home equity loans a good idea?
- Do high-yield savings account rates change?
- 6. Travel insurance can protect you even more
- What’s the best overdraft option for me?
- How to send money to others
- Is it bad to have more than one credit card?
- Other options for building credit
- 5. Other cards might be a better option
- Federal funds rate and HELOCs
- Roth IRA vs. traditional IRA
- May
- How the lifetime gift tax exclusion works
- Overdraft policies for PNC Virtual Wallet
- 7. Roth IRA
- Skip currency exchange: Use a credit or debit card
- Where can I learn more about specific bonds?
- What are the other 2024 tax deadlines to know?
- Is a backdoor Roth IRA worth it?
- What is a pip?
- Pros and cons of investing in gold stocks
- Credit cards
- How to calculate quarterly estimated taxes
- How to fit HBO Max into your budget
- How ARM rates are set
- Do debt consolidation loans hurt your credit?
- 5. Legoland military discount
- How to invest in target-date funds
- Additional costs for international wires
- When are New York state income taxes due?
- What happens if you default on an SBA disaster loan?
- Frugal home expenses tips
- What does a shared equity agreement cost?
- What is California's standard deduction?
- What to expect when you open your new account
- LLC payroll taxes
- How different airlines handle fuel surcharges
- Will credit card checks affect your credit scores?
- 5. Carrying a balance could be costly
- 3 appliance-buying tips
- How much is the SALT deduction?
- Other performance metrics
- What are the tax rules for a Roth IRA?
- What kind of investment is Bitcoin?
- 6. Raise your deductible
- What is a good standard deviation?
- 4. Balance transfer and cash advance options are pricey, too
- What are fleet cards?
- Best car insurance in Florida for ease of use: State Farm
- Does paying rent build credit?
- Average certificate of deposit rate: 1.81% for one-year CDs
- Is there an income limit to qualify as a first-time home buyer?
- 5. Not having a clear ‘why’
- Term of the month: The Buffett indicator
- What plans are best for seniors?
- How to increase your pre-qualification amount
- 6. Roll the dice with prepaid room rates
- What to look out for next
- How to apply online for Global Entry
- Money market funds
- 5. They are good cards to travel with
- Credit union personal loan rates
- 2. Certificates of deposit
- How to find the 2024 W-4
- VA funding fee vs. mortgage insurance
- Should you use a personal loan to build credit?
- Ready, set, save
- What if you can’t afford to tip?
- 9. A boat
- How to keep medical bills from hurting your credit
- 5. Tax on the sale of a house
- Are 10-year Treasury notes a good investment?
- Why you may not be getting a response after an interview
- Current Build Card
- 4. Instagram
- When to expect your child tax credit refund
- Next steps:
- Alternatives to savings accounts
- Minimum wage increases
- Quick start guide: How to invest in index funds
- Wait before you celebrate
- How much does homeowners insurance cost in Hawaii?
- When debt consolidation isn't worth it
- 9. Browse store aisles
- How did we determine the value of Marriott Bonvoy points?
- Cashier’s check vs. certified check vs. money order
- G
- Become a marijuana stock investor
- 7. Buy in bulk
- Step 3: Compare health plan networks
- 3. Get disability and life insurance
- Pros and cons of a 401(k) rollover into an IRA
- Benefits of a larger down payment
- What is your modified adjusted gross income (MAGI)?
- Do I have to pay New York state income tax?
- How to get a preapproved car loan
- Returning a Kyte car
- What is net investment income tax?
- Strategies for keeping your credit utilization low
- Norwegian Cruise Line
- Tips for disputing a mechanic’s work
- 4. You can get comparable club lounge perks another way
- 8. Special needs trust
- More U.S. passport photo requirements
- 5. Hilton Grand Vacations Club Ocean 22 Myrtle Beach
- 4. Klarna
- Best Michigan auto insurance for ease of use: State Farm
- 6. Inspect and test-drive the car, if applicable
- More from tax filing resources:
- How the 9 states with no income tax stack up
- How to upgrade the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
- Rate lock-in may begin to ease
- Other ways to cut wire-transfer costs
- Full list of best homeowners insurance in California
- Balanced funds
- The 50/30/20 budget calculator
- How to avoid overdraft fees
- The bottom line
- Next Steps:
- 10. Schools and universities
- Alternatives to credit card checks
- What else you need to know
- Why did First Republic Bank fail?
- How to choose between an LLC and a corporation
- How to find AI ETFs
- 7. Consider usage-based or pay-per-mile insurance
- 6. High-yield checking accounts
- 5. Think twice about occasional deferred interest offers
- How do fleet cards work?
- What is the median household income in the U.S.?
- Downsides to CD ladders
- Earning Miles&Go miles with partners
- What do the approvals mean for Bitcoin?
- Other military discount ticket options
- Is it time for you to switch to a better plan?
- How do I grow my home's equity?
- Getting the most from your pre-qualification limit
- How to prevent SBA loan default
- EveryDollar, for simple zero-based budgeting
- What part of my income gets taxed by California?
- Amazon Store Credit Card
- Is a credit-builder loan good for my situation?
- Close your old account, if needed
- How are gas prices determined?
- The rankings of reliable airlines
- If your cat is an emotional support animal
- How to avoid Wells Fargo overdraft fees: Grace period and buffer
- Avoid these less valuable redemptions
- Think about the seller's needs
- 10. Check your receipts
- How much does a rate lock cost?
- H
- 4. Varo: Best for existing bank customers
- 7. Strike up a deal
- How much should you put down on a house?
- Use a co-signer
- Days in the cycle
- 4. Use budgeting or expense-tracking apps
- Kyte pricing
- Do I have to update my W-4 every year?
- For the uninsured
- Getting a refund for your funding fee
- 11. Theaters
- June
- 2024 lifetime gift tax exemption
- Five steps to opening an investment account for your kid
- Can I take my own passport photo?
- How do you buy 10-year Treasury notes?
- 2024 child tax credit news update
- When undervalued stocks become popular
- Understanding forex lot sizes
- Next steps
- Hotel partner elite status matches
- Who qualifies for the SAVE plan?
- Best for low-cost plan availability: Humana
- If you're considering an upgrade from the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
- 8. Start small
- Mutual fund fees
- With inflation, why put money in any savings account?
- 7. Your travel card may already include travel insurance benefits
- Other mutual funds
- 3. Bonds
- How repayment of the equity investment works
- How to pay lower taxes when selling stocks
- Plan your visits to Club Millésime lounges
- Full list of the best car insurance in Florida
- How to buy gold stocks
- Alternative CD ladder structures
- Average cost of homeowners insurance in Hawaii by city
- 5. Pay for an international plan add-on
- How can I avoid cashier's check fraud?
- Lawsuits could change how agents are paid
- 8. Optimize for low-cost options by booking with OTAs
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- How to get a loan from a credit union
- Best Android personal expense tracker apps
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- LLC self-employment taxes
- Save money on wedding venues near you
- Stop the offers
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- Which card should you get?
- MoneyGram
- 5. LinkedIn
- 6. Hotel del Coronado, Curio Collection by Hilton
- Tips for flight day
- How do Delta SkyMiles compare to other airlines?
- Where to buy identity theft insurance
- How to earn Avis Preferred Points
- Full list of the best auto insurance companies in Michigan
- 7. Determine which warranties are right for you
- Closing costs for the buyer
- 11. Use social media
- Is a mortgage rate lock worth it?
- If you want to buy military theme park tickets
- Fly Avianca economy class and save
- Find the best homeowners insurance in your state
- Cheaper ways to send money
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- Glossary of overdraft terms
- Why did Silicon Valley Bank fail?
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- Exchange frequently? Consider a multicurrency account
- When will I get my refund?
- Bitcoin and volatility
- 8. Check insurance costs when buying a car
- How to pay estimated taxes
- American Express® Gold Card
- Have a backup plan: Don't buy yet
- Which is better?
- How long does it take to get pre-qualified for a mortgage?
- Become an authorized user
- 5. Explore other expense-tracking methods
- How to adjust your Form W-4
- The bottom line
- Methodology
- Where to find the best savings accounts
- Benefits of an IRA
- How to make money trading forex
- 5. PayPal
- Recap: How to get a cashier's check
- Savings and discounts for hotel rooms, recapped
- Other considerations to determine your down payment
- If you want to fly for free ...
- Average cost of homeowners insurance in California by city
- What's next?
- Carnival Cruise Line
- July
- Who pays the gift tax?
- Are these the best dividend stocks?
- What taxes aren’t covered by the SALT deduction?
- Next Steps
- Could we be in an AI bubble?
- What is the average and median retirement savings?
- Is the Delta miles program right for you?
- Why you can trust NerdWallet
- Average money market account rate: 0.66%
- Which type of life insurance should I put in a trust?
- What do the approvals mean for other crypto investments?
- The cheapest home insurance in Hawaii
- More ARM terms to know
- Step 4: Compare out-of-pocket costs
- NerdWallet home insurance calculator methodology
- Am I a resident for New York state income tax purposes?
- Amazon Secured Card
- LLC sales taxes
- U.S. Bank Cash+® Visa Signature® Card
- Types of gas
- How to redeem Avis Preferred Points
- How to apply for the SAVE plan
- If you're looking for the best way to use your cell phone abroad
- What's next?
- K
- Can you lose money in mutual funds?
- 5. Dave: Best for repayment flexibility
- 6. Look for ways to lower your expenses
- Credit union vs. online lender
- Where to get a home equity sharing agreement
- Other ways to sell clothes online
- Do you pay taxes when you receive a gift?
- Why is it called the SALT tax?
- The best place to exchange currency at the end of your trip
- Credit cards that earn Hilton points
- Fleet fuel cards: benefits and drawbacks
- Using your leverage
- Take advantage of travel benefits
- 8. Negotiate the best price
- Final thoughts on finding cheap Southwest flights
- The bottom line
- Investor-friendly
- Figuring out how much you need to save
- Tax Day resources
- Airline pet policies
- Frequently asked questions about estimated tax payments
- You can refinance an ARM
- Best of the Blues: Highmark
- The bottom line
- The cheapest home insurance in California
- Empower Personal Dashboard, for tracking wealth and spending
- Home shopping tips
- Consequences of a child tax credit error
- CD ladder alternative for more risky investments
- What to know about Hawaii homeowners insurance
- The bottom line on how to research stocks
- Should I lock my mortgage rate today?
- How much money can you make on YouTube?
- L
- Is Global Entry worth it?
- August
- Is the gift tax deductible?
- Why did Signature Bank fail?
- Stock market crashes in history
- Varo Believe Secured Credit Card
- Currency exchange: Frequently asked questions
- If you want to stay at a Hilton beach resort
- Partner reward benefits
- When is the SAVE plan available?
- Is Kyte worth it?
- LLC tax forms and deadlines
- Pros of investing in REIT stocks
- MSC Cruises
- Western Union
- 6. Sezzle
- Your perfect ladder
- Citi Premier® Card
- Supplement rewards with a second credit card
- 3. Make the most of your savings
- Get credit for the bills you pay
- How to sell clothes online
- What you can learn from the average 401(k) balance
- How much is the gift tax rate?
- If you want to fly Qatar Airways or Singapore Airlines …
- The bottom line
- Final thoughts on the different United economy fare classes
- 9. Maximize trade-in value, if applicable
- 6. MoneyLion: Best for existing customers
- Consider all your options
- Why are California gas prices so high?
- Should you invest in AI stocks?
- State child tax credits
- Forex trading vs. stock trading
- The difference between interest rate and APY
- How to earn other travel rewards through your Avis car rental
- Elite benefits on partner flights
- More reading for active investors
- What happens if my rate lock expires before closing?
- M
- How to purchase different investment types
- What you need to know about California homeowners insurance
- Next steps
- Amazon business credit cards at a glance
- Cons of investing in REIT stocks
- The Hilton Honors and SLH exclusive partnership recapped
- Fuel card vs. business gas credit card
- After deciding
- Compare insurance rates by driver history
- Alternative lending best practices
- September
- What’s happening with Silvergate Capital Corp.?
- And the winner is …
- Dates that could move markets this month
- How to shop for Medicare Advantage plans
- Earn an audience, and earn more in the long run
- If you're ready to start a budget
- Our lists of the best options
- Life insurance basics: Terminology, coverage needs and cost
- Your next step
- What is the $500 credit for other dependents (ODC)?
- 10. Make the purchase
- Cheapest for 30-year-old drivers
- Credit cards that earn Chase Ultimate Rewards®
- LLC tax tips for business owners
- Final thoughts on fuel surcharges
- Investing in REITs: How to get started
- Common gift tax return triggers
- What happened to Credit Suisse?
- The bottom line on how to prepare for a stock market crash
- Other spending
- N
- Practice good credit habits
- Amazon Business Prime American Express Card
- What is credit card consolidation?
- Child tax credit vs. child and dependent care credit
- 7. Zip
- Step 5: Compare benefits
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Is alternative lending right for my business?
- 4. Money market funds
- California state tax credits
- W-4 calculator
- Celebrity, Holland America and Princess
- Capital One Venture Rewards Credit Card
- Other ways to make money
- PocketGuard, for a simplified budgeting snapshot
- October
- Does the president control gas prices?
- Pros and cons of starting a virtual assistant business
- Types of FHA loans
- FHA vs. conventional loans: Summary
- How the FDIC calculates national rates
- Other changes to income-driven repayment in the works
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- Investing
- O
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
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- Are other banks are in trouble?
- How to choose among the best ways to send money internationally
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- How does the Israel-Hamas war affect gas prices?
- P
- 8. Klover: Best for no-fee advances
- Check your credit scores and reports
- 5. Mutual funds
- Traveler-friendly
- November
- Should I take my money out of the bank?
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- California Department of Insurance
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- Compare buy now, pay later apps
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- Hawaii insurance department
- S
- Looking for more insurance in California?
- Amazon Business American Express Card
- Grow Credit Mastercard
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- T
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- 4. Be persistent
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- U
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on SoFi's website
on SoFi's website
How do credit union loans work?
Credit unions are not-for-profit financial organizations that serve members who live, study, work or worship in a particular area. Each credit union is controlled by members, who elect volunteer board members to oversee the organization.
If you meet the credit union’s requirements, you can apply for membership, usually online. You may be required to open an account with an initial minimum deposit, typically $5 to $25. Once your membership is approved, you can access banking services, including personal loans.
Once you apply for a loan and are approved, you’ll receive the funds in your account and then repay the credit union in fixed monthly installments, with terms ranging from two to seven years.
Best credit union personal loans for 2024
If you don’t have a neighborhood credit union, nationwide options are available. The credit unions below lend in all 50 states and Washington, D.C., and you can likely apply for membership online.
Alliant: Best for fast funding
Becoming a member at Alliant doesn’t require a fee, and anyone is eligible by joining Foster Care to Success, a nonprofit organization that serves foster teens across the country. Alliant even pays the $5 membership fee to FC2S on your behalf.
Why it stands out: Alliant offers a wide range of personal loan amounts and can approve most borrowers the same day they apply. Once you sign the loan documents, Alliant can also provide same-day funding.
First Tech: Best for co-sign and joint loan options
First Tech mostly serves tech companies and their employees with personal loans up to $50,000.
Why it stands out: First Tech offers co-signed and joint loans to personal loan borrowers. By adding someone with a higher credit score or larger income to your application, you may boost your chances of getting approved. Co-borrowers are equally responsible for missed payments, but in a co-signed loan, only the primary applicant has access to the loan funds.
PenFed: Best for a seamless application process
PenFed is known for serving military members, but anyone can join the credit union by opening a savings account with an initial deposit of $5.
Why it stands out: Not only can anyone join PenFed, but unlike other credit unions, you can apply for membership as part of the loan application, letting you combine both these steps into one. PenFed also lets you pre-qualify online to see your potential rate, loan amount and monthly payment without affecting your credit score, so you can get an idea of your loan options before you apply.
Navy Federal: Best for military members
To be eligible for membership at Navy Federal, you must be active duty, retired or a veteran of any military branch; a Department of Defense civilian; or a family or household member.
Why it stands out: In addition to focusing on military members and their families, if you’re active duty or retired military, you can qualify for a 0.25 percentage point discount on your personal loan’s annual percentage rate, which lowers the overall interest you’ll pay on the loan.
Credit union personal loan rates
Rates for unsecured personal loans will depend on your credit score, credit history, income and debts.
Rates can also vary by type of credit union: federally chartered vs state-chartered.
Federal credit unions cap annual percentage rates at 18%. Your credit union may also charge an application fee that isn't part of the APR.
As of September 2023, the average APR for a three-year federal credit union loan is 10.58%, according to data from the National Credit Union Administration.
Lender | Typical APR range | Loan amounts |
---|---|---|
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 11.79% - 29.49%. | $1,000 to $100,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.99% - 17.99%. | $2,000 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 8.99% - 18.00%. | $500 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.49% - 18.00%. | $250 to $50,000. |
How to get a loan from a credit union
A low credit score alone won’t typically disqualify you from getting a loan from a credit union, because credit unions consider your whole financial picture, including your credit history and standing as a member with the credit union, when reviewing your loan application. Still, a good score will get you a lower rate than someone with bad credit, so it pays to check your credit score before applying for a loan.
Since credit unions come in many sizes, the application process, approval criteria, rates and other aspects of a personal loan vary. Many credit unions allow online loan applications, which typically ask for personal and contact information, Social Security number, employment and income details and any current debts.
» MORE: How to apply for a personal loan
Local or smaller institutions may require you to apply in-person or close the loan at a branch.
Credit union vs. online lender
Online lenders offer loans across the credit spectrum, so they’re another option for bad-credit borrowers (629 credit score or lower) who need a personal loan.
» MORE: See your bad-credit loan options
While credit unions only conduct a hard credit check — which can cause a small temporary dip in your credit score — most online lenders typically perform soft credit checks first to see if you pre-qualify for a loan.
Online lenders also offer online applications that don’t require you to visit a branch and typically fund loans quickly.
But loans from credit unions tend to be cheaper than those from online lenders, especially for borrowers with fair or bad credit scores. Borrowers with fair credit received an average APR around 18%, according to the most recent anonymized offer data from users who pre-qualified in NerdWallet’s lender marketplace.
Next steps
If you’re already a member and you can withstand a temporary hit to your credit score, a credit union may get you the cheapest loan. NerdWallet recommends comparing loans from multiple lenders.
You can pre-qualify with online lenders on NerdWallet and compare your estimated rate with one from your credit union.
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