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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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Table of Contents
- Mortgage rates this week
- Find the right Medicare Supplement Insurance plan
- Still deciding on the right carrier? Compare Medigap plans
- Definitions: Money Transfer Rates
- What is a W-4?
- 6 steps to opening a Roth IRA
- What is an IRS audit?
- What is a REIT?
- What is the sales tax deduction?
- What is a rollover IRA?
- What is a secured credit card?
- See how to get your business started quickly
- What is an unclaimed life insurance policy?
- Fidelity is best for:
- Vanguard is best for:
- What is a mortgage refinance?
- What is the FIRE movement?
- Charles Schwab is best for:
- Ready to get started? Here's what to do next
- How to handle multiple offers on a house
- Are IRA contributions tax-deductible?
- Is money tight?
- What is IRMAA?
- What are the Roth IRA rules?
- What is a cashier's check?
- What is the earned income tax credit?
- What is mortgage pre-qualification?
- See CD rates by term and type
- How to make money in stocks
- Bluevine Business Checking
- What is a financial plan?
- Life insurance buying guide
- Find the right Medicare Part D prescription drug plan
- Still deciding on the right carrier? Compare Medicare Part D Plans
- What is a budget planner?
- » This page is out of date
- Mortgage rates today: Wednesday, March 27, 2024
- What is a charitable donation?
- What are mutual funds?
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- » This story is out of date
- What is a fiduciary?
- What is the federal estate tax?
- What is a SEP IRA?
- Stock market definition
- Key takeaways
- What is ESG?
- Net worth defined
- About Humana
- Robinhood is best for:
- Acorns is best for:
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 1. Excessive fees
- Why older adults could be denied credit
- 2. Exorbitant interest rates
- 3. Low credit limits
- 4. Partial credit reporting
- 5 ways older adults can boost their odds of credit card approval
- 5. No upgrade path
- The difference between Roth and traditional IRAs
- What are dividend stocks?
- What is a construction loan?
- Medical expense deduction 2023
- What is FICA tax?
- What’s included in the cost of Peacock Premium?
- What is passive income?
- How to file taxes for free
- 2024 child tax credit news update
- Solar panel cost by state
- What is withholding tax?
- How much is an oil change?
- Super Bowl season
- Dallas-Fort Worth airport quick facts
- Award types
- Find the best way to send money to India
- Join Hertz Gold Plus Rewards
- About State Farm home insurance
- National first-time home buyer programs
- How is rental income taxed?
- Renewable energy stocks
- What is an index fund?
- What is a credit freeze?
- ETF meaning
- What is debt-to-income ratio?
- 4 ways to make money blogging
- What is an emergency fund?
- What is a credit card CVV?
- How to use this calculator
- What is a 401(k) loan?
- What is prescription food for pets?
- About USAA home insurance
- About Mercury home insurance
- What is a 1099?
- What is a 529 plan?
- 1. Review account transactions from your bank
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 1. Open a credit card
- 2. Online shopping portals
- 3. In-store shopping offers
- 4. Credit card-linked offers
- 5. Buy gift cards
- 6. Dining rewards programs
- 7 of the best apps to make money
- S&P 500 index (SPX) today
- What is a Roth IRA account?
- What is cryptocurrency?
- Does Singapore Airlines have Wi-Fi?
- The cheapest car insurance companies by category
- How to get paid on YouTube
- 7 best-performing AI stocks
- Negotiating salaries
- How long does it take to get a new credit card?
- Cocoa prices soar with no relief in sight
- What is married filing separately?
- What does tax-exempt mean?
- What is an IRS IP PIN?
- Food and drink
- Best Medicare Advantage companies
- United flight change policy
- Online marketplace and auction sites
- What are Vanguard index funds?
- Sustainable investing definition
- What a mortgage servicer does
- How much are taxes on lottery winnings?
- Routes and destinations
- Find your budgeting style
- How much are United miles worth?
- Investing money is personal
- How is the Medicare IRMAA calculated?
- What does a credit freeze do?
- United fare classes: The differences
- How to get TSA PreCheck for free
- Who has access?
- When do I need a cashier's check?
- What is gap insurance?
- 1. When your Bitcoin is taxed depends on how you got it
- What is an Escape Lounge and who can access them?
- What's the average Roth IRA interest rate?
- What is a down payment?
- What is a CD early withdrawal penalty?
- What is a reverse mortgage?
- How to calculate interest in a savings account
- What is stagflation?
- What's the best S&P 500 index fund?
- How to find a passport number on your passport
- What are health care stocks?
- What to expect flying American Airlines Main Cabin Extra
- Calculate your debt-to-income ratio
- What is an energy ETF?
- What is identity theft insurance?
- 1. Buy your own cable modem and router for cheaper Wi-Fi (over time)
- Valentine’s Day date and gifts cost $188, on average
- Cost of vehicle ownership
- What is Air Canada like?
- The sign-up bonus gets you a head-start on earning a Companion Pass
- Georgia state income tax rates and tax brackets
- Audible subscription cost
- Can you withdraw money from a 401(k) early?
- What is payday loan consolidation?
- What to know before pursuing World of Hyatt membership
- What is SSDI?
- The stock market explained
- 1. Double (or more) your minimum payment
- What is a credit-based insurance score?
- How to unfreeze credit
- The best Marriott hotels in the Caribbean for award stays
- What's the difference between a 15-year and 30-year mortgage?
- Alternatives to Wells Fargo business credit cards
- What is a savings account?
- What is a high-interest loan?
- How do I contact American Airlines customer service?
- Microsoft Office Excel budget templates
- What is LTV?
- Do you need an appointment to change your name with Global Entry?
- 1. Certificates of deposit (CDs)
- Strides in the workplace
- Interest rates usually go up when the Federal Reserve says so
- Where can undocumented immigrants get credit?
- What is put selling?
- Florida Housing highlights and eligibility
- What is the Schedule A?
- What is a growth stock?
- How early direct deposit works
- 1. Set your budget
- General advice for international money transfers
- Term life vs. whole life: Overview
- When is a construction loan used?
- FICA tax rate 2023-2024
- What is a bonus?
- What is zero-based budgeting?
- How we found the best travel insurance
- What are closing costs?
- Why are there two versions of Bitcoin?
- How does the SALT deduction work?
- Best-performing REIT stocks: March 2024
- What are AI ETFs?
- Most profitable small businesses
- How does a second mortgage work?
- Credit card features that function like buy now, pay later
- What is the typical down payment on a house?
- Why file as head of household?
- 1. Is a Roth IRA right for you?
- Fidelity at a glance
- How does refinancing work?
- California state income tax brackets and rates
- If you have less than $1,000 in your 401(k)
- When do you start paying back parent PLUS loans?
- How do LLC taxes work?
- January
- What JetBlue Mint seats are like
- Vending machine costs
- If you don't have a work retirement plan
- What is an outstanding balance?
- What is a sales tax holiday?
- DFW airport map
- 1. Tweak your W-4
- New in 2024: An annual fee increase, statement credit changes
- What is short selling?
- How to pay off parent PLUS loans quickly
- Why is having a low credit utilization important?
- How do CDs work?
- 50/30/20 budget calculator
- The value of Marriott Bonvoy points
- Make a reservation for TSA screening
- The four types of profit margin and what they tell you
- Deciding factors
- What is an insurance broker?
- 1. Open an IRA
- Banks with no debit card foreign transaction or ATM fees
- Key findings
- Top business ideas for nurse entrepreneurs
- What is financial planning?
- What does this value mean?
- Before you invest
- What is a company overview?
- 1. Start investing as early as possible
- 1. Find a payment strategy or two
- Advantages of franchising for the franchisee
- What is second chance checking?
- 1. Sell spare electronics
- Create a budget plan that works for you
- Declarations
- First, consider making it a 'donation'
- 1. Use taxis and rideshares safely
- Minimum wage over time
- Business loan vs. business credit card
- UPMC for Life Medicare Advantage pros and cons
- Why might my pet need prescription food?
- What to expect flying first class with Singapore Airlines
- What are the best retirement plans for you?
- How long does it take to get an expedited passport?
- What is my net worth?
- The best budget apps
- What is long-term care insurance?
- Best day to book a flight
- Does United fly direct to Mexico?
- Our car rental app analysis
- Should you pay your credit card more than once a month?
- 1. Make extra payments toward the principal
- Before you book hotel rooms for families ...
- Clover Health Medicare Advantage pros and cons
- Affordability
- 40 best startup business ideas
- What is a home inspection?
- How does capital gains tax on real estate work?
- First, some background
- Make sure the numbers match what you agreed to
- Types of auto incentives
- How startup funding works
- Step 1: Check your credit
- Frugal food tips
- What to do before applying for a mortgage
- 1. Get help with utility bills and groceries
- 1. What does American Express trip cancellation insurance cover?
- What goes into the credit card interest calculation
- How to get a home equity loan with bad credit
- Do passport numbers change on renewal?
- How it works
- Robinhood at a glance
- Acorns at a glance
- Valuable ways to redeem Avios points from British Airways
- What is a home equity loan?
- Best Medicare Supplement Insurance companies
- What is a pending transaction?
- What’s included in the cost of Peacock Premium Plus?
- 17 passive income ideas
- 1. You won't earn rewards
- Why the IRS audits people
- What is the gift tax?
- What qualifies you to be a tax-exempt individual?
- What’s deductible
- What is a state income tax?
- How to budget money
- 6 hardship loans for bad credit
- What are grants for nonprofits?
- 1. There are two Merrick Bank credit cards
- International roaming plans: postpaid
- What is a tax credit?
- Does Airbnb offer discounts?
- How to pick the best first credit card for travel
- What are tax refund advance loans?
- What is a sustainable investing strategy?
- Charles Schwab at a glance
- How do you buy down a mortgage rate?
- Late winter and early spring
- Start with price, but don’t end there
- Small-town business ideas
- Travel
- 6 things to do if your rental car is involved in accident
- Points for spending
- Housing
- How to consolidate your debt
- Calculator: Convert United miles to dollars
- What’s a premium travel credit card?
- Biweekly payment calculator
- What is Schedule E?
- Informed Delivery by USPS
- How to get a loan with bad credit
- Our picks for the best life insurance companies in March 2024
- Best ways to consolidate credit card debt
- How to find your way around an airport
- What is the premium tax credit (PTC)?
- Hertz Gold Plus Rewards benefits
- Set your car payment budget
- Buy down the interest rate: Is it worth it?
- 1. It’s very similar to the Bank of America® Premium Rewards® credit card
- Average savings account rate: 0.47%
- What’s the value when booking travel through the Capital One portal?
- FAFSA open date and deadline
- What does a CD early withdrawal penalty cost?
- The main difference between Park Hopper vs. Park Hopper Plus
- 5 different types of U.S. passports
- Roth IRA contribution limits 2024
- Grants for LGBTQ+ businesses
- Chase joint account
- What counts as income
- The challenge: Stubbornly high mortgage rates squeeze shoppers’ buying power
- Summary: The best places to save money and earn interest
- Maximizing the companion fare
- Tax deductions for rental property
- Obstacles to getting a liquor license
- 1. Clean up your credit
- Avios sweet spots to consider
- What Airbnb cleaning fees are and what they cost
- 1. Shop at Downtown Disney
- 1. Credit score and credit history
- How to start day trading
- How much does it cost to transfer your balance?
- Who can qualify for a conventional home loan?
- They're told it's 'good debt'
- Options for getting a higher credit limit
- Daily mortgage rates chart
- How are Bitcoins minted?
- Lenders aren't the only ones checking your credit
- What is Global Entry?
- 1. You can build credit without a security deposit
- How to earn Free Spirit points
- 25 low-cost business ideas
- Where to find your credit card’s CVV
- Is charitable giving tax-deductible?
- How to calculate your debt-to-income ratio
- Pros and cons of a 401(k) loan
- 1. It’s easy to use
- Estate tax limits and exemptions
- SEP IRA contribution limits
- What is adjusted gross income (AGI)?
- What is AARP and how much does it cost to join?
- When to consider a 15-year fixed-rate mortgage
- Booking the trip
- How to pay your federal taxes in 2024
- What is hazard insurance?
- OHFA highlights and eligibility requirements
- 1. Know your bank’s mobile check deposit requirements
- What property damage liability covers
- How to fill out Schedule A
- How do credit union loans work?
- How to send money online, on mobile or in person
- The best money-making apps
- What does it mean to invest in the S&P 500?
- Roth vs. traditional IRA
- Roth IRA vs. traditional IRA: What's the difference?
- Transfer your loan to a credit card
- How to convert JetBlue points to dollars
- Top credit cards for Las Vegas hotels
- How to make money online
- 1. Consider alternatives to canceling a credit card
- Choose term life insurance
- What is the standard deduction?
- What kind of medical expenses are tax deductible?
- 28 ways to save money
- 1. Understand asset allocation
- How married filing separately works
- Your own insurance usually comes first
- Tax filing status options
- Tweak your spending plan
- Who can get an IP PIN from the IRS?
- Options for an old 401(k)
- Banks that offer joint business accounts
- What does liability car insurance cover?
- What is uninsured motorist property damage coverage?
- Why life insurance money goes unclaimed
- How the cards compare
- Vanguard at a glance
- What are the weekly jobless claims?
- What is a business credit score?
- You need to build credit
- Summary of cash advance apps
- 50 best small businesses to start
- How your servicer can help if you’re behind on payments
- Two options for that extra cash
- Oil change prices at chain shops
- Lottery tax calculator
- 1. Check your calendar
- Spirit Airlines bag fees
- How to find your EIN
- Itemized deductions, definition
- How much is life insurance?
- The fee era
- How much do Instagram influencers make?
- Mint vs. NerdWallet at a glance
- The main difference between Hogsmeade and Diagon Alley
- Consider a different type of all-inclusive travel in 2024
- Why signatures once mattered
- Why refinance your car loan?
- IRA contribution rules
- Official U.S. passport photo rules
- What is IRS Free File?
- How to invest in stocks in 6 steps
- Maximum debt-to-income ratio to buy a house
- Best-performing energy ETFs
- Ria is best for:
- How do index funds work?
- Equitable life insurance
- Best Medicare Part D plans
- How to freeze your credit with all 3 bureaus
- Types of ETFs
- 2. Sell your gift cards
- Rite Aid
- How do expense trackers work?
- Choosing the best online broker
- Why do I need an emergency fund?
- How to status match with Delta
- What is a business loan?
- What is the 401(k) early withdrawal penalty?
- You need a new car
- Why invest in mutual funds?
- How does payday loan consolidation work?
- Elite status tiers
- What are estimated tax payments?
- What’s a good credit score with FICO vs. VantageScore
- What does Costco travel insurance cover?
- Cash bonuses on cards with no annual fee
- You'll keep more money in stocks
- What is the Student Aid Report?
- How to track your refund status with ‘Where's My Refund?’
- Chick-fil-A overview
- What is a 1099 form used for?
- The best burial insurance in March 2024
- Why is your Capital One card suspended?
- 2. Hit 'unsubscribe'
- Investment account types
- Know the credit score you’ll need
- What to know before getting a Marriott credit card
- 20 high-dividend stocks
- How to fill out a W-4
- Bonus tax rate
- How much are closing costs?
- How does a home equity loan work?
- What is a Southwest Airlines Companion Pass?
- 7 free tax filing options in 2024
- What is the child tax credit?
- Best for size of network: UnitedHealthcare
- 2. Is a Vanguard Roth IRA right for you?
- Sticking to a budget can be tough. What are your best tips for staying on budget?
- Why is sustainable investing important?
- Who pays withholding tax?
- 22 popular tax deductions and tax breaks
- What are the 2024 IRMAA brackets?
- Does paying a loan twice a month help?
- How to place an Equifax credit freeze
- What you can dispute
- 2. Learn more about your 401(k)
- Current Discover bonus categories
- 1. There's a modest sign-up bonus
- Where can I get a cashier’s check?
- What does gap insurance cover?
- How does the earned income credit work?
- Top credit cards you can use instantly after approval
- How to use the pre-qualification calculator
- File your FAFSA for next year ASAP
- How to lower your credit utilization
- Can you use a reverse mortgage for long-term care?
- What is the 50/30/20 rule?
- Where can you buy lottery tickets with a credit card?
- How will the Student Aid Index be calculated?
- At a glance
- Are we experiencing stagflation now?
- What is an S&P 500 index fund?
- How does QuickBooks Desktop Premier Plus work?
- Roth IRA income limits 2024
- Compare car insurance rates by age
- TransUnion credit freeze online
- Why you should use an AirTag or Tile to track your checked bag
- 1. A high-yield online savings account that earns 4% or more
- What does identity theft insurance cover?
- 4 great first investments
- How we found the best auto insurance
- Front-end and back-end DTI
- Make a flexible plan of attack
- Why mortgage rates change every day
- Most agree men should pay on the first date in hetero relationships
- What is fiduciary duty?
- Who qualifies for SSDI?
- What is a life insurance policy?
- New York state income tax rates
- 1. There's more than one version of the store card
- Why you need a savings account
- Who can set up a Robinhood IRA?
- How high-interest loans are harmful
- Humana Medicare Advantage pros and cons
- Overcrowding problems
- Reducing the interest you pay
- What is CLTV?
- How is PMI calculated?
- Can you get a refund for bad Wi-Fi?
- Student loan forgiveness programs
- Credit cards are safer to carry and use
- Cheapest cars to insure among popular models
- 2. Find money for child care
- Fidelity CD rates
- Mercury home insurance star rating
- State availability
- Bank wire transfer
- Construction loan types
- Make retirement planning a priority
- Common IRS audit triggers
- Who pays the gift tax?
- Best-performing REIT mutual funds: March 2024
- How to get an IP PIN
- Secured credit cards vs. unsecured credit cards
- AmEx Plan It
- If you have between $1,000 and $5,000 in your 401(k)
- When is the sales tax holiday or tax-free weekend in my state?
- The Gold Card’s features
- How to choose the best crypto wallet
- Factor in taxes
- Citi Double Cash® Card
- How to short a stock in 5 steps
- Different types of lounges
- How we ranked the top life insurers
- 1. It’s a credit card, not a charge card
- How to earn a return in a Roth IRA
- The best home insurance companies of 2024
- Do you need to put 20% down on a house?
- Where State Farm stands out
- Gather key information about your current loan
- When to use an insurance broker
- 1. Mortgage interest deduction
- Ria pros:
- Why do I need a company overview?
- 2. Reduce your internet speed for a lower price
- What are the pros and cons of second chance checking?
- 3. Pawn something
- How a higher credit limit can help you
- Best affordable homeowners insurance in Texas: State Farm
- Next, check in with the camp
- The annual fee is largely offset by anniversary points
- What reasons can you withdraw from your 401(k) early?
- Does pet insurance cover prescription pet food?
- How the federal estate tax works
- How the market works
- Subscriptions take off
- Top mutual life companies in the U.S.
- Where USAA stands out
- Where Mercury stands out
- YNAB, for hands-on zero-based budgeting
- Best day to fly
- What travel insurance plans does USAA offer?
- How to call American Airlines customer service
- Google Sheets budget templates
- 529 plan benefits
- How the home sale tax exemption works
- Married filing taxes jointly vs. separately
- Isn’t offering credit to undocumented immigrants illegal?
- Will my old passport number still be valid?
- Best-performing growth stocks
- Roth vs. traditional IRA: How to choose
- What is the cheapest car insurance in California?
- Other rules for the medical expense deduction
- How long do pending credit card transactions take to clear?
- How a Kikoff Credit Account line of credit works
- How much does Peacock cost for students?
- 2. Consider your tolerance for risk
- 2. Earning rewards through the membership program will cost you
- Married filing separately: Standard deduction
- Best AI ETFs by one-year performance
- How state income tax rates work
- How to transfer a 401(k) to IRA
- 2. You may need an offer by mail to apply
- What uninsured motorist property damage coverage pays for
- Best car insurance in Georgia overall: Travelers
- How do tax credits work?
- 7 ways to get discounts on Airbnb
- Why the Chase Sapphire Reserve® wins by a nose
- 1. Brigit: Best for budgeting tools
- What is the cheapest car insurance in Texas?
- BEST STORE CARDS
- How to get a federal student loan
- How to start a vending machine business: A step-by-step guide
- If you do have a work retirement plan
- What’s the difference between outstanding balance and statement balance?
- Conventional vs. synthetic
- How do lottery taxes work?
- 2. Consider your online options
- United MileagePlus Miles value over time
- TV release cycle
- Who fills out Schedule E?
- Things to know about the Hawaiian Airlines award chart
- You get to customize your home
- How life insurance rates are determined
- How many Instagram followers do you need to make money?
- How can I get a cashier’s check?
- Why travelers will prefer the Chase Sapphire Preferred® Card
- Park Hopper
- Check your number online
- Americans are missing out on car insurance savings
- 9 steps in financial planning
- Earning Alaska miles with credit cards
- Why invest in index funds?
- Conventional loan credit score requirements
- Deductible
- What to know about Chase’s Q4 bonus categories
- Your borrowing days may not be over
- 2. Be alert when drinking and dating
- How much should I save?
- Mounting stress from costs
- Air Canada fees
- Best car insurance in California overall: Travelers
- State minimum wages in 2024
- The purpose of CVV numbers
- How tax-deductible donations work
- Active vs. passive mutual funds
- When is payday loan consolidation a good idea?
- How food prices have changed over time
- What's the difference between a premium and a quote?
- 2. Pay now, or buy later
- When to consider a 30-year fixed-rate mortgage
- Who gets a 1099?
- What you need to know about savings accounts
- 1. IRS Direct Pay
- The best rental car apps
- Is hazard insurance the same as homeowners insurance?
- 2. Refinance if you have good credit and a steady job
- How much is PMI?
- How to request a Global Entry name change
- 2. Cash management accounts
- Advances in political power
- 3. Take a holistic view
- What effect will high inflation have on my money?
- Florida Housing first-time home buyer loan programs
- Frugal shopping tips
- 2. Confirm the check amount is within mobile deposit limits
- Grace period
- How property damage liability works
- How Schedule A works
- How does a home equity loan work?
- What types of institutions offer early direct deposit?
- How does a Roth IRA work?
- Why do people invest in cryptocurrencies?
- 2. Shop for a loan
- How do JetBlue TrueBlue points compare to other airlines?
- Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
- How FICA tax works
- Zero-based budgeting example
- How do you get a credit card faster?
- Do you pay taxes when you receive a gift?
- What is the SALT deduction?
- Best-performing REIT ETFs: March 2024
- Get good tax advice
- Government grants for nonprofits
- How do Vanguard index funds work?
- Who qualifies for head of household status
- Steps to prevent unclaimed life insurance
- When to refinance a mortgage
- What is the difference between sustainable investing, ESG investing and impact investing?
- How withholding taxes are calculated
- Consider options besides deferment
- How LLCs pay income taxes
- Holiday weekends
- February
- Compare contingencies
- Utilities
- Airlines that service DFW
- Mismatched priorities
- Why short a stock?
- How apprenticeship programs work
- Chase Sapphire Preferred® Card
- 2. Credits and perks can make up for the card’s annual fee
- An early withdrawal’s other cost: future interest forfeited
- Beware the price tag
- The best Marriott Bonvoy transfer partners
- CHFA highlights and eligibility requirements
- Airports that offer expedited security screening for free
- Benefits of having a passport
- Tips for infant passport photos
- Who is eligible for Free File?
- Bank of America joint account
- Why invest in energy ETFs
- Why should I invest in renewable energy?
- Ria cons:
- Consolidation vs. refinancing
- Equitable life insurance policies
- 2. Sit by the fire at the Grand Californian Hotel Lobby
- Best for low premiums: Wellcare Medicare Part D
- Information you need to freeze your credit
- Should you transfer your debt?
- Personalized versus average interest rates
- What is Bitcoin halving?
- Tips to find a Global Entry appointment
- 2. The cash-back rewards are impressive …
- Features of the Aspiration Zero credit card
- Fiduciary financial advisors
- SEP IRA rules: Who is eligible?
- Credit-based insurance score vs. regular credit score
- You may choose to keep working
- ESG investing
- How to book a first class ticket with Singapore Airlines
- MOHELA administrative forbearance
- When does the home inspection happen?
- What is a mega backdoor Roth?
- Types of startup business funding
- Best credit union personal loans for 2024
- Singapore Airlines Wi-Fi cost
- Use a third-party service
- Mortgage payoff calculator help
- 2. Negotiate to keep your card open on your terms
- Investing for income: Dividend stocks vs. dividend funds
- Opt to take the medical exam
- What kind of medical expenses are not tax deductible?
- Does Peacock offer a free plan?
- How are bonuses taxed?
- Egg prices have increased 47% since August
- Head of household
- How much is the 2023 child tax credit?
- How are business credit scores calculated?
- Where to get tax refund loans
- What the buyer gets out of it
- Cost
- 2023 Sales Tax Holidays by State
- 8 best hot wallets
- Save smartly
- Debt consolidation calculator
- Premium credit cards are not for you if…
- What you shouldn’t dispute
- 3. Look into an IRA
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- Then, turn to your credit card
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- Transportation
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- An easier approach: ESG funds
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- Consider other options, too
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- What are the benefits of early direct deposit?
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- Goodbudget, for hands-on envelope budgeting
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- Flag any issues, and talk to the lender
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- Avoid this situation next year
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- Using the mortgage points calculator
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- 5. File taxes without a W-2
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- Dispute responsibly
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- 4. Deduction for repairs
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- 'Tricking' yourself into paying more
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- Standard deduction 2024
- Other Kikoff credit-building tools
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- Calculate your reduced Roth contribution
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- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
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- Other hardship loan options
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- The caveats
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- Step 3: Choose your lender and loan
- 6. Confirm the check details and complete the deposit
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- How do construction loans work?
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- Foundation grants for nonprofits
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- Review buyer 'extras'
- Sign-up bonus
- Debt
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- Does pre-qualification affect your credit score?
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- Compare your net worth
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- May
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- What’s the difference between S&P 500 index funds and S&P 500 ETFs?
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- Best insurance company for affordability: NJM
- The best times to day trade
- What is a good DTI ratio?
- Best homeowners insurance in Texas for consumer experience: Nationwide
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- 5. Other cards might be a better option
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- 4. Airline miles program has useful partners
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- What’s old is new again
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- 7. Keep the check until it's processed
- Consider rounding up your coverage
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- Kikoff vs. Self
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- Best Georgia car insurance for ease of use: State Farm
- What is California's standard deduction?
- Withholding tax vs. estimated tax
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- Average certificate of deposit rate: 1.81% for one-year CDs
- Next steps
- State Farm home insurance rates
- Other ways to skip the TSA lines without paying
- When issuers check your income
- 5. Treasure hunt for antiques in Old Towne Orange
- Next steps: Compare and apply
- 11. Look for a payday alternative loan
- Special limits
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- Best California car insurance for ease of use: State Farm
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- Discounts
- 5. Financing options are available, but proceed with caution
- Embarkation
- Tips to find cheap flights any day of the week
- 3. The Electronic Federal Tax Payment System (EFTPS)
- What happens during a home inspection?
- Frugal home expenses tips
- Watch out for scams
- 4. How to file a claim
- What's next?
- Standard deduction for those 65 or older
- Best for emergency medical coverage: Allianz Global Assistance
- Married filing jointly
- What not to do
- Taxes for rollover IRAs: 2 rules to know
- How quickly could the IRS implement the child tax credit expansion?
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- Benefits of a larger down payment
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- Passport Type P recapped
- 3. Get disability and life insurance
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- Your car was totaled
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- How to get started selling puts
- Credit union personal loan rates
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- 6. Inspect and test-drive the car, if applicable
- How do I grow my home's equity?
- How to use a secured credit card to build credit
- What's your best advice for taking on a side gig?
- Language
- 0% intro APR offer
- More from tax filing resources:
- How did we determine the value of United miles?
- Advantages of itemized deductions
- Average cost of whole life insurance by age
- 5. There’s an introductory 0% APR offer on balance transfers
- Citi Custom Cash® Card
- How to increase your pre-qualification amount
- Other Roth IRA rules
- Insurance broker vs. independent agent
- How to get American Airlines Main Cabin Extra Seats for free
- States with the highest padded-claims costs
- 5. Other expenses
- 4. Pick an investment strategy
- 4. Seek help through debt relief
- 7. Buy a local SIM card to avoid high roaming costs
- How to complain about Great Lakes
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- Available Medicare Advantage plans
- SEP IRA vs. Roth IRA
- Average car insurance rates for poor credit
- Where's my 2024 state tax refund? Track your status
- If you fly first class on Singapore Airlines
- IRAs
- You’ve got money left over for savings
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- Making the most of auto incentives
- Consider alternatives
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- How much can you borrow with a home equity loan?
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- Work on improving your health
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- Why did First Republic Bank fail?
- What percent down payment do you need for a house?
- UMPD vs. collision: Which should you buy?
- What if a travel rewards card isn’t for you?
- 4. Varo: Best for existing bank customers
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- How do I find out if the Medicare IRMAA applies to me?
- What else you need to know
- 7. Rock your HSA
- What is naked short selling, and why is it illegal?
- Which insurance companies sell gap coverage?
- Traditional IRA withdrawal rules
- Things to consider when opening a joint bank account
- What about my goals besides retirement?
- 6. Sample beers at Brewery X
- Day trading risk management
- 12. Get a personal loan
- What is the median household income in the U.S.?
- Is a robo-advisor a fiduciary?
- How to reduce or avoid the federal estate tax
- What is stock market volatility?
- Consumer complaints
- How to find lost luggage on American Airlines
- 5. Pay off capitalized interest
- 6. High-yield checking accounts
- Want cheaper insurance? Avoid these vehicles
- Step 4: Gather loan documents
- Brokered CDs have risks and rewards
- Making the call
- Best for extra benefits: Anthem Medicare Supplement Insurance
- PayPal
- Do I have to update my W-4 every year?
- Gift tax limit 2024
- Requirements: Who qualifies for the child tax credit?
- How do you buy Vanguard Index fund shares?
- How much does it cost to refinance a mortgage?
- Bottom line
- What part of my income gets taxed by California?
- The bottom line
- Memberships
- How do you claim the premium tax credit?
- 5. Failure to report Bitcoin can be costly
- How much should you put down on a house?
- Marriott Bonvoy's exclusive transfer partners
- Park Hopper Plus
- When did all of the tech layoffs start?
- 5. Use collateral to secure the loan
- How to transfer Chase Ultimate Rewards® points to Avios
- How did we determine the value of Alaska miles?
- Federal student loan consolidation
- Maximum and average DTI ratios by mortgage type
- Full list of the best home insurance companies in Texas
- Other things to consider
- Claiming tax-deductible donations on your tax return
- How does coverage for prescription food work?
- 5. Some fees are high
- ESG investing examples
- EveryDollar, for simple zero-based budgeting
- Wells Fargo business credit card benefits
- Saving on late fees
- How fast does a secured card build credit?
- Full list of the best car insurance companies in Georgia
- Best for low-cost plan availability: Humana
- June
- The bottom line
- How much money can you put in a Roth IRA?
- 5. You can see if you pre-qualify without a hard pull on your credit
- Who counts as a qualifying child for the earned income credit?
- Average Disney World food costs
- Getting the most from your pre-qualification limit
- Discounts
- You don’t need to have $10,000 to take advantage of compound interest
- How to look up passport numbers recapped
- Contributing too much to a Roth
- How to buy health care stocks
- What's the tax filing deadline for my Georgia state income tax bill?
- Full list of the top auto insurance companies in California
- How to get a tax refund sooner
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- Consumer experience
- Other things to keep in mind
- Days in the cycle
- Alternatives to term and whole life insurance
- How to get a construction loan
- How to minimize the tax impact of a bonus
- Where does an IRS audit take place?
- Need more auto liability insurance? Grab an umbrella
- Why you might prefer the Capital One Venture X Rewards Credit Card
- How much does a tax refund loan cost?
- Partner perks
- PayPal Cashback Mastercard®
- Disadvantages of itemized deductions
- Best life insurance company for consumer experience: Northwestern Mutual
- How can I avoid cashier's check fraud?
- Is joining the Hertz Gold Plus Rewards loyalty program worth it?
- Deaths and driving distractions
- If you're considering using a baggage tracker…
- Tips for writing a company overview
- When should you freeze your credit?
- Disadvantages of franchising for the franchisee
- 13. Rent out a room
- Conditions
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- If you inherit or bequeath something, watch out for capital gains tax
- What is New York state's standard deduction?
- When not to use a credit card
- Home equity loan requirements
- Why are there so many kinds of cryptocurrency?
- 7. Determine which warranties are right for you
- See if zero-based budgeting is right for you
- Closing costs for the buyer
- Could we be in an AI bubble?
- Married filing separately: Bottom line
- How the lifetime gift tax exclusion works
- 3. Volunteer Income Tax Assistance (VITA)
- Is solar panel installation right for your home?
- Final thoughts on changing your United flight
- Electronics
- How is the job market right now?
- LLC self-employment taxes
- Earn rewards with Hawaiian Airlines
- Tips to get a approved for a personal loan with bad credit
- 8. See if you’re eligible for the earned income tax credit (EITC)
- The picture so far
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- 7. Sample boysenberry boba and fried chicken at the California Marketplace at Knott's Berry Farm
- Best Android personal expense tracker apps
- 8. Join solo female traveler Facebook groups
- How to settle a dispute with Great Lakes
- Other ways to pay off your payday loans
- How to earn Avis Preferred Points
- SIMPLE IRA vs. SEP IRA
- How much do life insurance policies cost?
- Do all auto insurers use credit-based insurance scores?
- Types of ESG investments
- How much does hazard insurance cost?
- 6. Stick to the standard repayment plan
- Clover Health Medicare Advantage service area
- What's included in a home inspection report?
- Calculating capital gains tax on a home sale
- Bottom line
- How to get a loan from a credit union
- Singapore Airlines Wi-Fi, recapped
- How to adjust your Form W-4
- Why did Silicon Valley Bank fail?
- Barclays Easy Pay
- More about the influencers
- Why do I need a business credit score?
- Am I a resident for California state tax purposes?
- How buydowns differ from discount points
- Shopping
- Basic economy
- How do I pay the Medicare IRMAA surcharge?
- How much does gap insurance cost?
- How to earn more interest in a savings account
- What happens if your estimated income is off
- The challenge: Multiple offers are common, and first-time buyers have less cash
- Bottom line: Is day trading right for you?
- How much does homeowners insurance cost in Texas?
- What isn’t covered by Costco travel insurance?
- Bottom line
- How do you invest in the stock market?
- Is an AARP membership worth it for travelers?
- Consumer experience
- The ship
- Where do I offer feedback or send a complaint to American Airlines?
- Humana Medicare Advantage plan types
- Clearing room to charge more
- Manage any preexisting medical conditions
- Standard deduction for dependents
- Additional child tax credit
- How to find the best refinance rates
- What does the Job Openings and Labor Turnover Summary report show?
- Shopping/travel/fraud protections
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- The bottom line on short selling
- Recap: How to get a cashier's check
- Can I claim the EITC without a child?
- Other considerations to determine your down payment
- Consumer complaints
- Marriott Bonvoy transfer partners to avoid
- Other ways to buy insurance
- 6. Find the right lender
- Other ways to save on prescription food
- Where to find the best savings accounts
- If you need to request a Global Entry name change
- Working from hotel rooms can be feasible
- Are these the best dividend stocks?
- Interest-based passive income ideas
- What taxes aren’t covered by the SALT deduction?
- Married filing separately
- What are the best Vanguard index funds?
- 5. Dave: Best for repayment flexibility
- July
- If you're wondering what to do with your mail while on vacation …
- Cost of life insurance without a medical exam
- How long does it take to get pre-qualified for a mortgage?
- Average money market account rate: 0.67%
- Which type of life insurance should I put in a trust?
- Redeem miles
- 5. Understand your investment options
- Cons of a credit freeze
- Best insurance company for accident forgiveness: Geico
- 14. Moonlight as a dog sitter
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- Am I a resident for New York state income tax purposes?
- 4. Debit card
- Getting motivation
- Trip cancellation insurance from AmEx recapped
- What's next?
- Are home equity loans a good idea?
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- Venmo
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How do I get my business credit score?
- Pros and cons of tax refund loans
- LLC sales taxes
- Consumer experience
- If you want to skip the security line without paying
- Resources for LGBTQ+ businesses
- 8. Don your dirndl at Old World Village
- How do ETFs work?
- 5. Lower your living expenses
- Fear of store closures in small towns, despite assurances
- Finally, enjoy your travels
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- Charitable deductions 2023
- How to redeem Avis Preferred Points
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- Cash bonuses on cards with an annual fee
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- Retirement accounts for small-business owners and self-employed individuals
- The bottom line
- Cost of long-term care insurance
- If you want to use an app to rent a car
- 7. Use 'found' money
- Step 5: Submit your application and get funded
- 8. Negotiate the best price
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- 2024 state income tax rates and brackets
- Can you contribute to a rollover IRA?
- How much does car liability insurance cost?
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- Typical entry-level salaries by occupation
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- 9. Give it away
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- How to claim the earned income tax credit
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- 15. Become a rideshare or delivery driver
- Is Costco travel insurance worth it?
- If you need to expedite a U.S. passport…
- United MileagePlus credit cards to help you fly to Mexico
- How to get a hazard insurance policy
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- Credit union vs. online lender
- When can't you take the standard deduction?
- Cards with primary coverage
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- Best of the Blues: Highmark
- A welcome return to normality
- Advantages of the standard deduction
- Best life insurance company for coverage amounts: New York Life
- What is Form 8692?
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- Average cost of homeowners insurance in Texas by city
- UPMC for Life Medicare Advantage service area
- More resources
- USAA vs. competitors
- What’s not covered by USAA travel insurance
- Are cryptocurrencies financial securities, like stocks?
- Skip riders you don’t need
- How much money can you make on YouTube?
- What’s a good down payment for a house?
- Refinancing a mortgage, step by step
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- Fees to select a seat ahead of time
- Methodology
- So, Diagon Alley or Hogsmeade?
- The bottom line
- The consequences: Weaving and crashing
- Credit freeze or credit lock?
- 16. Cut your insurance premiums
- Who should avoid Air Canada?
- Other home insurance companies to consider
- Empower Personal Dashboard, for tracking wealth and spending
- Third-party ratings
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- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Should you invest in AI stocks?
- How to claim the child tax credit in 2024
- Why did Signature Bank fail?
- August
- Can I appeal the Medicare IRMAA if I don't think it applies to me?
- Miles expiration policy
- Transferring Avios between programs
- 9. Ride the Giant Wheel at the Irvine Spectrum
- 2024 Georgia state income tax changes
- What is the perfect credit score, and how many people have it?
- ESG investing: How to get started
- How will Robinhood make money from its IRAs?
- The bottom line
- Other ways to build credit
- Pros of investing in REIT stocks
- Which card should you get?
- 6. MoneyLion: Best for existing customers
- Tax refund loan alternatives
- LLC tax forms and deadlines
- What are the tax rules for a Roth IRA?
- When to consider Global Entry instead
- Is Main Cabin Extra worth it on American Airlines?
- How to pay estimated taxes
- 9. Maximize trade-in value, if applicable
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- Walmart2Walmart
- How much is my 2023 standard deduction?
- Important considerations when opening a Roth IRA
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- What is the quit rate?
- Resources for researching and comparing salaries
- Visa or Mastercard perks
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- Final thoughts on the different United economy fare classes
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- 10. Keep a file of your medical expenses
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- 4. GetYourRefund.org
- The bottom line
- More reading for active investors and traders
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- 10. Smell the roses at Roger’s Gardens
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- 17. Consolidate your debt
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- Ideal Chick-fil-A operator candidate
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- Earn an audience, and earn more in the long run
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- September
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- NerdWallet’s online broker ratings
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- 5. Credit card
- Pros and cons of cryptocurrency
- 10. Make the purchase
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- It pays to know
- Single
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- Bad credit loans to avoid
- 11. Consider selling those dogs weighing down your portfolio
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- 18. Refinance your student loans
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- 19. Change your cell phone plan
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- Apparel and shoes
- October
- 12. Get the timing right
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- Boiling it all down
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- PocketGuard, for a simplified budgeting snapshot
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- 5. Tax Counseling for the Elderly (TCE)
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- The Upgrade cards
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- 8. Klover: Best for no-fee advances
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- If you want to book your Las Vegas stay with a hotel credit card
- Corporate grants for nonprofits
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- November
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- NYC income tax rates
- 6. Same-day wire transfer
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on Avant
on Best Egg
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4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on SoFi
SoFi
5.0
NerdWallet rating5.0
NerdWallet rating8.99- 29.99%
$5K- $100K
on SoFi
on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
$2K- $35K
on Avant
on Best Egg
Best Egg
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
on LightStream
LightStream
4.5
NerdWallet rating4.5
NerdWallet rating7.99- 25.49%
$5K- $100K
on LightStream
on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
$2K- $35K
on Avant
on SoFi
SoFi
5.0
NerdWallet rating5.0
NerdWallet rating8.99- 29.99%
$5K- $100K
on SoFi
on SoFi
SoFi
5.0
NerdWallet rating5.0
NerdWallet rating8.99- 29.99%
$5K- $100K
on SoFi
on Avant
Avant
4.0
NerdWallet rating4.0
NerdWallet rating9.95- 35.99%
$2K- $35K
on Avant
on Best Egg
Best Egg
4.5
NerdWallet rating4.5
NerdWallet rating8.99- 35.99%
$2K- $50K
on Best Egg
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.
on NerdWallet