Personal Loans

Personal lending that works for you

OCCU is committed to enriching the lives of our members and the communities we serve. To help support our members, we’ve developed an emergency loan to help those affected by COVID-19. We continue to offer Personal Loans and Personal Lines of Credit to our members to provide security and access to funds when they need it most.

Emergency loan

Members* financially affected by COVID-19 can apply for an immediate cash loan for up to one (1) month’s net pay at a rate of 0% APR** (with OCCU checking account‡, 3% APR without). Borrowers have up to 36 months to repay the loan with 90 days to the first payment. For more information and to apply, please contact us at 800.365.1111 or send a secure message through MyOCCU Online & Mobile.

Personal Loan

When the unexpected happens, a personal loan can help you pivot and meet the unexpected with confidence.  


Depending on your credit qualifications, you could be approved for a personal loan up to $50,000. Our personal loan is a fixed-term, fixed-rate loan without any origination or service fees. Paying back your personal loan is easy with automatic payments available so you never worry about missing a payment. 



Annual Percentage Rate (APR)

Depending on credit qualifications and term length, the APR is 7.49-19.49%. Rate is current as of 1/22/20.
See all rates »

Personal Line of Credit

A personal line of credit provides you the flexibility to access funds whenever you need them over a period of time at lower rates compared to credit cards. You can set your personal line of credit as overdraft protection. This helps you prevent having a transaction declined for insufficient funds. 


Depending on your credit qualifications, you could be approved for a personal line of credit up to $50,000. You can make a withdrawal from the line of credit whenever you like by simply making a transfer to your checking account in Internet or mobile banking, or by visiting a branch. All these benefits without an annual fee. 



Annual Percentage Rate (APR)

The Personal Line of Credit interest rate is a variable APR based on the prime rate, plus margin. Depending on credit qualifications, the APR is 9.00% - 22.99% as of 04.01.2020.
See all rates »

Thank you again for helping me out last week with that small loan. I am very grateful for you going the extra mile. If you hadn’t been able to help me, I’m not sure what I would have been able to do.

Sarah M.

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*Must have become an OCCU member on or before March 1, 2020.
**Emergency loan APR of 0% with OCCU checking account, 3.0% without an OCCU checking account. Rates may change and are current as of 03/18/2020. For example, on an emergency loan for $2,000 at 0% for 36 months, you would make 36 payments of $55.55. 
‡Checking account must have been opened on or before March 1, 2020.