Caltech Employees Federal Credit Union

Personal Loans

If you have a need to borrow, you have a reason to take advantage of CEFCU’s Personal Loans

When it comes to low-cost consumer financing —for any purpose— Caltech Employees Federal Credit Union is consistently outstanding.  We offer low fixed rates on Short-Term Personal Loans; and a still-lower, variable rate for our Share-Secured Line of Credit that lets you keep earning dividends while repaying a loan.  Our dependably low loan rates and comfortable terms are designed to save you money every time.  And, all feature no loan origination fee and no pre-payment penalty.

Take advantage!  Apply online today for your personal borrowing needs. Simply click on the WebLoan24 option after logging in to CEFCU@HOME. If you're not yet a CEFCU@HOME user, you can still apply online. Prefer not to apply online? You may also complete a Loan Request and mail or fax it to the office location most convenient to you.

All loans subject to credit approval. Rates may change without notice. CEFCU is an Equal Opportunity Lender.

Type of Loan	Annual Percentage Rate (APR)	Maximum Approximate Term
Personal Line of Credit (Variable)	10.25%**	Open End
VISA (Variable)	9.25%**	Open End
Short Term Personal Loan	9.00% 10.00% 10.50%	24 months 36 months 48 months
Share Secured Line of Credit (Variable)	2.00%*	Open End

**Based on U.S. Prime Rate plus margin, with a Cap of 18.00%.
*Your Share Secured Loan APR is determined by adding one percentage point (1%) to the highest tiered Share Account dividend rate declared and paid on the last day of each month. The APR is subject to change on the fifteenth (15th) day of each month based on the most recently declared monthly dividend.