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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
- Dividend definition
- What is a traditional IRA?
- How to earn a Chase checking account bonus
- About Roth IRAs
- What is a cashier's check?
- What is mortgage pre-qualification?
- Compare your business loan options
- 6 steps to opening a Roth IRA
- Still deciding on the right carrier? Compare Medigap plans
- What's an investment strategy?
- See how to get your business started quickly
- Bizee: Easily form your new business
- What is a nonsufficient funds, or NSF, fee?
- Definitions: Money Transfer Rates
- About UnitedHealthcare
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- What are back taxes?
- What is the gig economy?
- See CD rates by term and type
- Compare types of bank accounts
- What is a REIT?
- What is a physician loan?
- Life insurance buying guide
- About Kaiser Permanente
- What's an adjustable-rate mortgage?
- Wealthfront is best for:
- Vanguard Personal Advisor is best for
- What are I bonds?
- » This page is out of date
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 1. Get creative
- What is the Fed funds rate?
- How to make money as a kid
- What is a 529 college savings plan?
- What are dividend stocks?
- ETF meaning
- ETFs for beginners
- What is a spot Bitcoin ETF?
- How to make money in stocks
- The difference between Roth and traditional IRAs
- Good credit utilization follows the 30% rule
- What is a construction loan?
- 1. You could end up paying more in bank fees
- About USAA home insurance
- What is curb appeal and why is it important?
- National first-time home buyer programs
- How to join a credit union in 5 steps
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 7 of the best apps to make money
- What is a public adjuster?
- When do I need a cashier's check?
- Snapshot comparison
- What are Vanguard index funds?
- Budgeting for a baby
- The best airlines to fly to Japan
- SIPC insurance rules
- Pay on time and in full
- States with no income tax
- Best trips to transfer Chase Ultimate Rewards® points to Aeroplan
- How do I reach Emirates customer service?
- About Spot pet insurance
- Explore free options first
- 1. Certificates of deposit (CDs)
- Getting to New York City
- Georgia state income tax rates and tax brackets
- What is acupuncture?
- How many IHG points are needed for a free night?
- What is put selling?
- What is cryptocurrency?
- What ANA miles are worth
- Best stocks by one-year performance
- What is self-employment tax?
- Spotify Free
- How does Uber work?
- 4 no-credit-check loan options
- What is home equity?
- Capital gains tax on stocks: Do you have to pay?
- What is the average cost of groceries per month?
- How to buy Microsoft stock
- Tier benefits
- What is a down payment?
- Savings accounts
- How to calculate interest in a savings account
- What is a savings account?
- Sustainable investing definition
- What are small-cap stocks?
- Are Medicare premiums tax-deductible?
- Key findings
- Virginia state income tax rates and tax brackets
- What is e-commerce?
- What does APY mean?
- What is a credit card APR?
- How to get paid on YouTube
- Which cellular network is best for you?
- What a mortgage servicer does
- Credit card pros and cons
- Air France cancellation and refund policy
- What is BankAmeriDeals?
- How do I contact American Airlines customer service?
- New and exclusive digs
- How does a traditional IRA work?
- Approach money as equals
- Nonrefundable tickets vs. refundable tickets
- January
- Roth IRA contribution limits 2024
- If you have less than $1,000 in your 401(k)
- What is a virtual assistant?
- Average car loan interest rates by credit score
- Frugal food tips
- A quick refresher
- Best-performing marijuana stocks
- 1. Set your budget
- How does capital gains tax on real estate work?
- What is tax debt relief?
- Refinance to a lower rate
- Why is having a low credit utilization important?
- Top credit cards for new parents
- How we picked the best hotel brand
- How we found the best travel insurance
- The value of Marriott Bonvoy points
- FuboTV cost per month
- Step 1: Check your credit
- Most profitable small businesses
- The best car insurance
- The best budget apps
- The complimentary Centurion Lounge guest policy has ended
- Minimum wage over time
- Financial planner
- General advice for international money transfers
- 1. Sell spare electronics
- How do I play Powerball?
- What is a growth stock?
- Best places to sell clothes online
- What is the child tax credit?
- What are car subscriptions?
- Best advice for first-time flyers
- Common dealer fees
- 50/30/20 budget calculator
- What is a cash-out refinance?
- Best-performing U.S. equity mutual funds
- 1. There are two card options
- 1. Find the right products to sell on Amazon
- Prioritize your bills
- What happens if you don't pay taxes, or pay your taxes late?
- How we picked the best airline
- Accounting basics
- Choose tax-efficient accounts for your assets
- Where to rent an RV
- How do CDs work?
- Types of crypto wallets
- Federal Student Aid Estimator
- When is a construction loan used?
- Snapshot comparison
- Best-performing REIT stocks: April 2024
- Who can qualify for one
- Overview of Hyatt award chart
- A refinance may require you to wait
- What is generational wealth?
- Frontier baggage fees: The basics
- How to find the best umbrella insurance
- How does crowdfunding work for a business?
- Wealthfront at a glance
- 1. Open an IRA
- How to get a tax transcript
- What’s the difference between business and personal checking accounts?
- Quick facts about Zelle
- Chase checking account bonuses 2024
- 6 ways to buy Bitcoin
- What does a public adjuster do?
- The main difference between Typhoon Lagoon and Volcano Bay
- Choose Bank of America if:
- 6 hardship loans for bad credit
- What’s the value when booking travel through the Capital One portal?
- How to use the pre-qualification calculator
- What do you need to prove U.S. citizenship?
- Types of SBA real estate loans
- Who sets the Federal funds rate?
- When does Medicare cover acupuncture?
- Can I get my miles back if I change or cancel my award flight?
- The best investments for beginners
- Late winter and early spring
- How do credit union loans work?
- LLC vs. corporation, summarized
- How to budget money
- Kids don’t need an ID when flying within the U.S.
- The bull call spread
- Best fleet fuel cards
- 1. The courthouse
- What is a home equity loan?
- UnitedHealthcare Medicare Advantage pros and cons
- 1. Check your account statements
- How to earn ANA Mileage Club miles
- How to calculate the cost of starting a business
- Trim gas expenses through smarter driving
- Are CD rates going up?
- Chase Pay Over Time
- How to Refer a Friend for a Capital One card
- 1. It offers discounts for traveling with a partner
- Conforming loan limits
- What is a tax extension?
- What is the Chevron deference?
- What is a sustainable investing strategy?
- 1. You can't get it anymore
- Starting an import/export business
- 13 daycare franchise opportunities
- How long does it take to close on a home?
- What is a certificate of insurance?
- Why pay extra on car loan principal?
- Shopify: Best built-in online shopping cart
- Best ways to consolidate credit card debt
- How to use BankAmeriDeals
- How to use the business line of credit calculator
- Vanguard Personal Advisor at a glance
- How to get a loan with bad credit
- What does a business use for collateral?
- How to send money online, on mobile or in person
- The best money-making apps
- How to make money online
- What is a business credit score?
- Wells Fargo Active Cash® Card
- 1. You can use the card only for eligible subscription payments
- Costco Anywhere Visa® Card by Citi
- How to defer your student loans
- 1. Check your calendar
- What is the standard deduction?
- How much do Instagram influencers make?
- Qualify with average credit
- How to find your EIN
- What is an assumable mortgage?
- Disneyland vs. Disney World size
- 9 popular investment strategies
- What’s a good credit score with FICO vs. VantageScore
- Investing in Bitcoin
- What's the difference between NSF fees and overdraft fees?
- 2. Sell your gift cards
- Types of ETFs
- How to file back taxes
- Do your industry research
- The self-employment tax rate for 2023
- What is gig work?
- Spotify Premium cost
- How much does an Uber cost?
- 2. The rewards rate depends on how much you spend at Macy’s
- 11 best investments right now
- Who should get a Form 1099-NEC?
- 6 steps to managing your 401(k)
- What is Medicare supplement Plan G?
- What are game apps that pay real money?
- How does home equity work?
- Top 11 spot Bitcoin ETFs by fee
- Do you pay taxes on stocks you don't sell?
- Your own insurance usually comes first
- What are socially conscious actions?
- Roth vs. traditional IRA
- How much is life insurance?
- Choose Bank of America if:
- 2. The sign-up bonus may not be as big as it seems
- Steps to transfer money from one bank to another
- Is Discover on board?
- Traditional IRA contribution rules
- Rite Aid
- 1. What's my goal?
- How to upgrade your American Express card
- 1. Accept any 401K match you’re eligible for
- No todos los planes de jubilación son iguales
- Why some borrowers want to switch servicers
- What is a statement balance?
- How your servicer can help if you’re behind on payments
- Choosing a credit card
- 8 upcoming big tech earnings dates and estimates
- 1. How Chase Sapphire Reserve® lounge access works
- Summary of cash advance apps
- Breakdown of central air costs
- Netflix subscription cost
- What is the 10-year Treasury?
- What is a credit score?
- Getting in
- Low-cost franchise opportunities: What to expect
- Where can I get a cashier’s check?
- Choose Chase if:
- Types of USDA loans
- What does a virtual assistant do?
- 2. Ask your issuer for help
- Do you need insurance to rent a car?
- What is the current Fed interest rate?
- How to lower your credit utilization
- Federal tax brackets and tax rates
- Ways to earn money as a younger kid
- Payments will be too high
- Most workers expect salary increases
- Domestic flights
- 20 high-dividend stocks
- Differences between an LLC and a corporation
- Zelle
- How much is the next Powerball jackpot?
- Are these the best stocks to buy now?
- Types of ETFs
- What is the 50/30/20 rule?
- How Pay Over Time works
- How much is car insurance?
- 1. Opt for federal loans before private ones
- Emergency borrowing ticks upward
- How to deduct student loan interest
- The co-branded Mastercard
- Compare car insurance rates by age
- The market outlook for home buyers
- Why you need a savings account
- Why is sustainable investing important?
- State Farm life insurance
- Kaiser Permanente Medicare Advantage pros and cons
- Best small-cap stocks, ordered by one-year performance
- Many borrowers say forbearance improved their financial situation
- How to start building generational wealth through investing
- ARMs vs. fixed-rate mortgages
- 1. The monthly fee adds up
- What is liquid net worth?
- What are the benefits of crowdfunding?
- Real estate agent commissions
- What is the Walmart MoneyCenter?
- Northwestern Mutual life insurance
- What are dividend stocks and why buy them?
- Cheap car insurance
- Chase College Checking℠: $100 bonus
- List and assign money tasks
- Roth IRA contribution deadline
- Best affordable homeowners insurance in Georgia: Auto-Owners
- If you have between $1,000 and $5,000 in your 401(k)
- Treat it like a debit card
- What does it mean to live in a state with no income tax?
- New York state income tax rates
- Why marijuana stocks are unique and risky
- How the home sale tax exemption works
- Lean on investments or savings, if you have them
- 529 plan benefits
- YNAB, for hands-on zero-based budgeting
- 2. At home
- Bank wire transfer
- 3. Pawn something
- 2. Categorize your expenses
- How much is the child tax credit worth?
- Who should get a cash-out refinance?
- Does Zelle report to the IRS?
- Influencer marketing vs. celebrity marketing
- What should my monthly grocery budget be?
- Do you need to put 20% down on a house?
- How to calculate your credit utilization ratio
- Construction loan types
- Choose Citibank if:
- When is the 2024 tax extension deadline?
- Pay everything on time
- What happens next?
- Best-performing REIT mutual funds: April 2024
- 2. Paltry reward rates
- Brighthouse Financial life insurance
- Other Medicare expenses may be deductible
- Do I have to pay Virginia state income tax?
- How does e-commerce work?
- Where USAA stands out
- 1. They earn rewards in valuable categories
- Inexpensive curb appeal ideas
- Which Air France tickets allow for cancellations
- Processing issues delay financial aid offers
- How to call American Airlines customer service
- Details of the new American Express® Green Card
- Notable perks
- 2. There's no credit check or APR, and it aims to build credit quickly
- How can I get a cashier’s check?
- Volcano Bay
- Different types of life insurance
- 1. Glendale, Arizona
- Frugal shopping tips
- 2. Consider your online options
- How many Instagram followers do you need to make money?
- 5 tax relief options
- Refinance to a longer term
- 2. Cash management accounts
- Can I get my points back if I cancel my hotel reservation?
- Which mortgages are assumable?
- Billing error
- State minimum wages in 2024
- Investment advisor
- Best affordable homeowners insurance in Virginia: Cincinnati Insurance
- Best-performing growth stocks
- Best affordable homeowners insurance in Colorado: Auto-Owners
- The self-employment tax rate for 2024
- Know what happens when you can't pay a bill
- Roth vs. traditional IRA: How to choose
- How life insurance rates are determined
- How to use the jumbo loan calculator
- What you need to know about savings accounts
- How a physician loan works
- Top Hyatt beach resorts
- What happens at a mortgage loan closing?
- Best car insurance in Texas overall: Travelers
- How to pay extra on car loan principal
- 1. Brigit: Best for budgeting tools
- Curious about other options?
- Business loan collateral requirements
- What are the benefits of a traditional IRA?
- February
- How do Vanguard index funds work?
- How to build a baby budget in 4 steps
- Are auto loan interest rates rising?
- Can you get a passport without a birth certificate?
- 2. Shop for a loan
- No annual fee
- The best Marriott Bonvoy transfer partners
- How many IHG points will I earn on hotel stays and how can I use them?
- Holiday weekends
- Best credit union personal loans for 2024
- How to avoid an NSF fee
- Why do people invest in cryptocurrencies?
- How do car subscriptions work?
- 7 best stocks to buy now, according to analysts
- 12 online banks that use Zelle
- Is there a Zelle tax loophole?
- What is a gig worker?
- How much does a 20-minute Uber cost?
- 2. Research products to sell on Amazon
- What is socially conscious consumption?
- 2. The bonus rewards aren't just for airline purchases
- 3. You will likely have to meet certain requirements and wait a long time
- What would it mean for customers?
- What is the difference between sustainable investing, ESG investing and impact investing?
- Best-performing REIT ETFs: April 2024
- Some borrowers don’t make enough to afford loan payments
- 2. Is my goal in reach?
- Why do you need a certificate of insurance?
- How do I find my credit card interest rate?
- Should you choose postpaid or prepaid?
- The bottom line
- I bonds vs. EE bonds
- Idaho Housing first-time home buyer programs
- How are business credit scores calculated?
- Pros and cons of hiring a public adjuster
- SIPC vs. FDIC: What is and isn’t covered
- What’s behind the pre-qualification calculation?
- Types of student loan deferment
- Pros and cons of living in a state without income tax
- 3. Try bargaining
- The pros and cons of a life insurance trust
- What are the limits on Medicare acupuncture coverage?
- Step 2: Pre-qualify and compare offers
- Investing for income: Dividend stocks vs. dividend funds
- 3. An Airbnb or hotel rental
- How does a home equity loan work?
- 4. Work today for fast cash today
- How to buy an ETF
- Purchases that qualify
- How to choose the best mutual funds for you
- Influencer marketing strategies
- Who doesn't need a Form 1099-NEC?
- 2. Borrow only what you need — and can reasonably repay
- Identify tax-efficient investments
- How are stocks taxed?
- Stretch your grocery budget
- CD rate trends
- Filing jointly and separately with student loans
- How to set up a crypto wallet
- Partner promotions
- Making referrals: Caveats and considerations
- Or go with an alternative
- How tax extensions work
- What do the herring fisheries want?
- State Farm life insurance policies
- Examples of e-commerce
- Is an ARM a good idea?
- Where USAA falls short
- Square Online: Best free built-in online shopping cart
- Exactly what are liquid assets?
- What is the 10-year treasury yield today?
- Northwestern Mutual life insurance policies
- Roth IRA income limits 2024
- Or go with an alternative
- Keep your balance low
- How much do virtual assistants make?
- How the standard deduction works
- Does my car insurance cover rental cars?
- How to monetize your Instagram with fewer followers
- Text
- 2024 Georgia state income tax changes
- The best hotel program of 2024
- How to assume a mortgage
- How many parks are in Disneyland?
- How do I find the best 529 plans?
- What are the risks of selling puts?
- Pay the Centurion Lounge guest fee
- Does raising the minimum wage cause inflation?
- UHC Medicare star ratings
- Fees you can challenge
- How to calculate self-employment tax
- The best airline of 2024
- Medicare supplement Plan G pros and cons
- A long non-winning stretch, but still hope
- 14 business startup costs to plan for
- Where to look for information
- Why small-cap stocks are risky
- Brighthouse Financial life insurance policies
- Medicare expenses that aren’t deductible
- Am I a resident for Virginia state income tax purposes?
- A menudo, existe una opción más económica
- Choose a new servicer when you consolidate
- Different kinds of bags on Frontier
- 2. There are Chase Sapphire lounges in Hong Kong, Boston and New York, with more to come
- What are the Walmart MoneyCenter hours?
- Can you use a personal checking account for business?
- How to open a traditional IRA
- Own your tasks from start to finish
- What is a Roth IRA account?
- Qualifying for a USDA-guaranteed mortgage
- Term life insurance
- Are your investments covered?
- What’s the value when transferring to Capital One partners?
- If you have at least $5,000 in your 401(k)
- How to use average car interest rates
- 2. Cincinnati, Ohio
- What can I use instead of a birth certificate for passport applications?
- 3. Call your company
- Save money for long-term care
- How to choose marijuana stocks
- Apply for mortgage forbearance
- Path to a higher credit limit
- Spot pet insurance plans and coverage
- What do financial pros say about Bitcoin?
- Getting paid on time isn’t a given
- Broker-dealer
- When is the next Powerball drawing?
- 3. Build a budget that works for your expenses
- 17 traditional banks that use Zelle
- How to start a cleaning business in 7 steps
- What to know about working in the gig economy
- 3. Your rewards can be redeemed only at Macy’s
- What to do if you can't catch up on your bills
- Additional costs
- More moving loans
- Minimum down payment requirements
- First things first: Check your IRA eligibility
- Use a credit utilization calculator
- Certificates of deposit
- Use less than 30% of your available credit
- Savings accounts with strong APYs can help your money grow
- This couple refinanced their home twice in one year
- Traditional IRA income limits
- State availability
- What are the different types of crowdfunding?
- What is a current balance?
- How to know who your mortgage servicer is
- 2. Set financial priorities
- Can you chat with American Airlines?
- Types of tax transcripts
- Dividend vs. growth stocks
- Are Vanguard index funds a good investment?
- Wells Fargo Active Cash® Card
- Who qualifies for the home sales tax exclusion?
- 3. High-yield money market accounts (MMAs)
- Blue Cash Preferred® Card from American Express
- Does Medicare Advantage cover acupuncture?
- College tuition wasn't in your retirement plan
- 5. Seek community loans and assistance
- How to find growth stocks
- Requirements: Who qualifies for the child tax credit?
- Can your Uber fare change?
- What is a Bitcoin strategy ETF?
- CD rate forecast: 2024
- Net price calculators
- Bank of America vs. Citibank: Basic checking accounts
- 4. You could get hit with an account closing fee
- How to get car insurance quotes
- How do REITs work?
- 3. Limited redemption options ...
- Most borrowers would advise others to take on less debt
- Joann
- How to calculate APY
- Is there a way to lower a monthly car payment?
- Interest payments and fees
- Title insurance
- You can’t correct submitted FAFSAs yet
- 12 best low-cost franchises for aspiring business owners
- Chase Secure Banking℠: $100 bonus
- March
- 3. It can be paired with another Ava product
- Bank of America vs. Chase: Basic checking accounts
- 4. Contact the IRS
- 3. Determine other ownership costs
- Choose the least expensive high-interest debt
- Do I have to pay Georgia state income tax?
- Can travel insurance help recoup my miles and points?
- Episode transcript
- International flights
- The bear put spread
- Do all workers earn at least the minimum wage?
- How to find the best stocks to buy now
- Who has to pay self-employment tax?
- What Medigap Plan G covers
- Slash variable spending on entertainment
- 3. Miles are versatile
- Kaiser Permanente Medicare star ratings
- How to downgrade your American Express card
- 2. Make risk your friend
- Best car insurance in Texas for your budget: State Farm
- Different types of credit card APRs
- Do personal credit scores affect business credit scores?
- How much does a cashier’s check cost?
- Best homeowners insurance in Georgia for coverage: Openly
- Is SIPC coverage enough?
- What is a hardship loan?
- Is deferring student loans a bad idea?
- Keep accounts open
- How to become a virtual assistant
- 4. Hold up your end of the deal
- Frugal entertainment tips
- 5 ways to make money on Instagram
- No foreign transaction fees
- Standard deduction
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Need more points? Loyalty is rewarded
- All year
- 529 plans by state
- 4. Parks and beaches
- Insurance agent
- Cash App
- 6. Ask for forbearance on bills
- 10 largest lottery jackpots
- Should I join a car subscription service?
- 12 credit unions that use Zelle
- 4. Opening the card gets you an instant discount
- What do I do if I get a Form 1099-NEC?
- Following accounting standards
- How to qualify for education tax breaks
- How to be socially conscious without spending a dime
- Referral bonus annual limits
- Why merge?
- Sustainable investing in the news
- Why small-cap stocks are mighty
- Deducting Medicare premiums if you’re self-employed
- What does it take to succeed in e-commerce?
- Sacar lo mejor de las malas opciones
- How do you get a certificate of insurance?
- USAA home insurance coverage
- 3 other ways your student loan servicer can change
- Why do lenders sell mortgage loans?
- 2. Empower: Best for fast cash
- Is a business line of credit right for me?
- Whom do I contact about my American Airlines AAdvantage account?
- How are dividends paid out?
- How does a Roth IRA work?
- What’s the difference between pre-qualification and preapproval?
- 3. Pittsburgh, Pennsylvania
- How does a life insurance trust work?
- Tap into 'living benefits' on a life insurance policy
- How do I reach Emirates Skywards?
- What happens when the Fed raises interest rates?
- Apply for loan modification
- Postal mail
- Fubo add-ons
- Best car insurance companies: Our winners
- Try a simple budgeting plan
- Regret or user error
- Best homeowners insurance in Virginia for coverage: Erie
- Why is Bitcoin still popular?
- Best homeowners insurance in Colorado for coverage: State Farm
- How to claim the child tax credit
- Potential drawbacks
- Should you tip an Uber driver?
- Top 8 Bitcoin strategy ETFs by fee
- My Chase Loan
- Monthly costs included in the jumbo loan calculator
- 5. You could get a bonus without opening a new account
- How to file a tax extension
- What happens if Chevron is overturned?
- How a savings account works: withdrawal limits
- REITs' average return
- 4. ... Not to mention needlessly restrictive
- Brighthouse Financial life insurance rates
- Types of adjustable-rate mortgages
- 2. There’s no credit check
- Shift4Shop: Best shopping cart for B2B sellers
- 2. There’s an interest-free period
- What services are available at Walmart MoneyCenters?
- Are I bonds a good investment?
- Price vs. yield
- Who is eligible for a traditional IRA?
- 4. You’ll pay a monthly fee
- How much does it cost to buy Vanguard index fund shares?
- How much are Capital One miles worth?
- Carefully review your options
- Standard deduction 2023
- Advantages of assumable loans for sellers
- What a good credit score can get you
- Gig work holds little attraction
- Venmo
- What can I use a home equity loan for?
- 7. Request a payroll advance
- Average mutual fund return
- Why doesn’t Zelle send you a 1099?
- 3. You’ll pay interest (and maybe fees) on the loan
- What Medigap Plan G doesn’t cover
- Game apps that pay real money: before you play
- What to ask your credit card issuer
- Is per-card or overall utilization more important?
- Savings account simple interest vs. compound interest
- Are physician home loans a good idea?
- Why small-cap stocks are not that different
- What you can do
- What you need to bring to the closing
- How to calculate your liquid net worth
- Taxes and fees
- 3. How to get into a Chase Sapphire lounge
- Does American give refunds for canceled flights?
- What are the credit score ranges?
- The best airlines to fly to Japan with points
- How to get a hardship loan
- New York state supplemental income tax
- 5. Make a plan to prevent a repeat
- Rental car insurance vs. your own auto insurance
- 4. Find the right car for you
- Choose your due date
- 4. Peer-to-peer lending
- You haven't set boundaries
- Goodbudget, for hands-on envelope budgeting
- How do investors use put selling?
- 5. In the street
- Alternatives to a cash-out refinance
- 5. It comes with some other perks, too
- 1. High-yield savings accounts
- How do small businesses use accounting?
- Less debt consolidation and refinancing
- Build more savings in a high-yield account
- Accepting a Capital One referral: Caveats and considerations
- 4. It offers two free checked bags
- Bank of America vs. Citibank: Basic savings accounts
- Don't forget to check the limits to savings withdrawals
- Keep an eye on everything else
- State Farm life insurance rates
- Not just 2 refinances — 4
- Consider seeking professional tax advice
- CASH BACK CREDIT CARDS
- Other Frontier fees
- Do you need a family cell phone plan?
- How do streaming services fit into your budget?
- Northwestern Mutual customer complaints and satisfaction
- Bank of America vs. Chase: Basic savings accounts
- Qualifying for a Single Family Housing Direct Home Loan
- Sell your life insurance policy
- Does the cost of FuboTV fit into your budget?
- Kids need an ID when flying internationally
- Accountant and tax preparer
- An alternative to chasing the best stocks
- How to prepare for dealer fees
- How many years can you file back taxes for?
- How to pay self-employment tax
- How much is car insurance in my state?
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- Kirkland’s
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- April
- 5. There’s no traditional card to graduate to
- Whole life insurance
- 4. Atlanta, Georgia
- Frugal DIY project tips
- 5. File taxes without a W-2
- Eliminate mortgage insurance
- Excellent upgrade options
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- The bottom line
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- Prepaid 529 plans by state
- Add your friend as an authorized user
- 6. Libraries and museums
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- Next steps to determine how much financial aid you can get
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- Types of REITs
- What you'll pay at closing
- 3. No APR or late fees apply, but don't be fooled
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- Chase Freedom Unlimited®
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- How to transfer Chase points to Aeroplan
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- Standard deduction 2024 (taxes filed 2025)
- What else will change for tax year 2024?
- Secure websites
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- Home equity loan rates in 2023
- What happens if you don't pay your back taxes?
- 4. After you agree to the loan, your school will handle the rest
- The Bitcoin ETF price war
- Pay off high-interest debt
- Find ways to stretch your grocery budget
- Hardware wallets
- CD vs. high-yield savings account: At a glance
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- Set up automatic transfers to boost your savings yields
- Best sustainable investments
- What does Kaiser Permanente Medicare Advantage cost?
- 5. You won't want to carry a balance
- Most popular cash back card reviews
- 3. How will the new refinancing fee affect me?
- You'll likely forgo a welcome bonus
- USAA home insurance rates
- Seller concessions
- How much can you make with I bonds?
- Mixed-status families still face FAFSA glitches
- Where Northwestern Mutual stands out
- Best homeowners insurance in Georgia for consumer experience: American Family and Nationwide
- What if you have a Roth and a traditional IRA at one brokerage?
- How did we determine the value of Capital One miles?
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- Smart use is the key
- How do I offer feedback or send a complaint to Emirates?
- How does the Fed raise interest rates?
- Are round-trip or one-way flights cheaper if booking with points?
- How to invest in dividend stocks
- Dissatisfaction
- What states are increasing minimum wages in 2024?
- 7. Aquariums and zoos
- 9. Borrow against life insurance
- Additional child tax credit
- Tax deductions for self-employment
- Cash-out refinance costs
- What’s included on Form 1099-NEC?
- How much does Medigap Plan G cost?
- When to talk to a tax professional
- Socially conscious financial decisions, including charitable giving
- Average cost of term life insurance by age
- What happens next?
- How to find a physician loan
- State Farm customer complaints and satisfaction
- More about Brighthouse Financial life insurance
- Best car insurance in Texas for having few customer complaints: Chubb
- Buying bundles: the Works and the Perks
- What affects my interest rate?
- Should you pay the statement balance or current balance?
- How to store the Bitcoin you buy
- Other considerations for nonrefundable airfares
- What can you invest in with a Roth IRA?
- Other hardship loan options
- Types of life insurance trusts
- Use an annuity
- 5. Contact the seller or visit a dealership
- More about the card
- 5. Online savings accounts
- Methodology to determine the best hotel
- Mattress-buying tips
- Step 3: Choose your lender and loan
- Considering parent loans?
- What affects your credit score?
- Workers are still stressed, especially in the U.S.
- The long straddle
- Google Pay
- Best homeowners insurance in Virginia for consumer experience: Nationwide
- Best homeowners insurance in Colorado for consumer experience: American Family and Nationwide
- Get more help with monthly budget planning
- So, should you switch to Zelle?
- What to do if you can't pay your taxes
- Methodology to determine the best airline
- Employ tax-efficient investing strategies
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- The bottom line
- 5. Hawaiian Airlines' partnership with JetBlue makes this card more flexible
- Bank of America vs. Citibank: Certificates of deposit
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- 3. Invest in low-cost index funds or ETFs
- How do you see another company’s certificate of insurance?
- WooCommerce: Best shopping cart plug-in for WordPress users
- Where to buy umbrella insurance
- 4. You don’t have to be an AARP member to apply
- 3. EarnIn: Best for large advances
- Why is the 10-year Treasury yield important?
- How do I get a refund from American Airlines?
- Typhoon Lagoon
- Bank of America vs. Chase: Certificates of deposit
- 5. Minneapolis, Minnesota
- 6. Request more time to file
- Disadvantages of assumable loans for sellers
- Ways to earn money as a teenager
- 8. Cafes, restaurants and bars
- 10. Use a credit card cash advance
- How to save money on an Uber
- Do spot Bitcoin ETFs have custodianship risk?
- How does credit utilization affect my credit score?
- How to open a savings account or CD
- How do construction loans work?
- 4. What is the most affordable way to get access to Sapphire Lounges from Chase?
- Where Northwestern Mutual falls short
- Should I contribute to a traditional IRA if I can’t deduct it?
- May
- What happens if your brokerage goes out of business?
- What's next?
- Bottom line
- When are New York state income taxes due?
- Does Emirates give refunds for canceled flights?
- The bottom line
- Managing expectations
- What are the advantages of filing back taxes?
- How do you file a Form 1099-NEC?
- 5. You can use loan money only for certain things
- What affects the cost to rent an RV for a week
- How to send money to others
- Where State Farm stands out
- 4. Can I reach my goal some other way?
- How ARM rates are set
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- How do I get a copy of my actual tax return?
- How to find a good public adjuster
- How to increase your pre-qualification amount
- Frugal home expenses tips
- Buy a combination long-term care/life insurance policy
- Standard deduction for those 65 or older
- What is the Federal Reserve Board?
- What’s not covered
- Fax
- Best for emergency medical coverage: Allianz Global Assistance
- What kind of investment is Bitcoin?
- Other considerations
- What are fleet cards?
- Ways to get the best home equity loan rates
- 11. Look for a payday alternative loan
- How does cryptocurrency work?
- Why is home equity important?
- Home renovations remained consistent
- Looking for value with less fuss? Go with the Chase Freedom Unlimited®
- How tax extensions work if you owe taxes
- Understanding the American Express card families
- Discounts
- How compound interest works
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- Chase Private Client Checking℠: Up to $3,000 bonus offer
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- Other Roth IRA rules
- Where to find virtual assistant jobs
- Do I have to pay New York state income tax?
- Become a marijuana stock investor
- How to change or cancel an EIN
- How else can you use IHG points? Let us count the ways
- How to get a good credit score
- Credit union personal loan rates
- Cash App
- Minimum wage increases
- 9. A boat
- When to expect your child tax credit refund
- 2. Certificates of deposit
- Benefits of a larger down payment
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- Where State Farm falls short
- 4. You can carry a balance over a short term
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- Getting your Frontier baggage and other fees waived
- 5. There are cards that can reward you more
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- 3. Get disability and life insurance
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- Is it a good deal?
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- Ways to get the best USDA mortgage rates
- Universal life insurance
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- 6. St. Louis, Missouri
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- Fraud
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- 3. Decide how and where to source your products
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- 4. Varo: Best for existing bank customers
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- June
- Spot coverage options
- 11. Theaters
- 4. Use budgeting or expense-tracking apps
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- TRAVEL CREDIT CARDS
- 5. It doesn’t report payments to credit bureaus
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- 7. Cleveland, Ohio
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- Emirates customer service communication recapped
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- Have your friend hold their own The Platinum Card® from American Express
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- 13. Rent out a room
- 3. Bonds
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- 7. Determine which warranties are right for you
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- 8. Irving, Texas
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- 14. Moonlight as a dog sitter
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- 8. Negotiate the best price
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- 16. Cut your insurance premiums
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- August
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- Are cryptocurrencies financial securities, like stocks?
- How much is auto insurance based on your driving record?
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- 5. Incrementally raise your savings rate
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- 9. Maximize trade-in value, if applicable
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- How to apply for an SBA real estate loan
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- 10. Make the purchase
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- 7. SoLo Funds: Best for peer-to-peer cash advances
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- 4. Money market funds
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- November
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- OK, what's next?
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- Methodology
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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