Personal/Lifestyle Loans
A personal loan through HTFFFCU can help you meet your financial goals, make a large purchase, or cover an emergency. It can also help you consolidate debt by simplifying your life with a single monthly payment.
Even if you don’t have a credit score or if your credit score is low, you can usually still borrow money from us. As our former EVP and COO, Tom Rowlands, says
"Never hesitate to come talk to us at the credit union! No matter the situation, there is almost always a way we can help. All you have to do is come in or give us a call."
We know everyone has different situations. That's why we offer a variety of loans to meet your needs.
Line of Credit
This unsecured line of credit is a great way to obtain instant cash, in case you ever need it for an emergency. You can transfer funds using HTFFFCU Online, PATT, in person at any branch or simply by calling the Member Service Center. Ranging in amounts from $500 to $20,000, a line of credit can also be attached to your checking account and can serve as a low rate over draft protection in case there is no money in your savings account to cover any checks that may come through your checking. Similar to a credit card, as you pay down the balance of your line of credit, you have credit available to use again.
Signature Loan
With a limit up to $40,000, a Signature Loan from HTFFFCU is another perfect way to pay off those high interest credit cards or to consolidate past bills. Also, with terms up to 48 months, this loan can work with any budget.
Personal/Lifestyle Loan Rates updated as of January 18, 2024
| Loan Type | Term in Months | Fixed Rate APR* |
| Personal/Lifestyle/Signature Loan (includes Insurance Loan) | 1-60* | 9.95% - 18.00% |
| Variable-Rate Line of Credit | Revolving | 12.40 - 15.40% |
*Terms range from a max of 24 months (D & E paper), max of 36 months (C-paper), and max of 60 months (A & B paper).
The payment examples below are based on a 5K personal loan for a maximum term of 36 months. Rates will vary depending on credit score and are subject to change at any time.
| Credit Score Range | Interest Rate | Estimated Monthly Payment |
| 700+ | 9.950% | $161.23 |
| 650-699 | 10.950% | $163.59 |
| 600-649 | 12.950% | $168.36 |
All rates are subject to change without notice. Some restrictions apply.