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Personal Loans

Do you need money for an unexpected expense or special purchase? From a leaky roof to a cruise around the world, a CDC Federal Credit Union personal loan can provide you with the money you need for any situation. With flexible payment options, competitive rates and terms, your loan can be tailored to your needs and lifestyle.

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Debt Consolidation Loan

One of the most popular reasons for a personal loan is to consolidate credit card debt into one manageable monthly payment. If you’re struggling with credit card debt, consider CDC Federal Credit Union before going to a Credit Counseling Agency, where you may end up being charged a monthly "account management fee." Our associates are always available to listen and to offer guidance that suits your needs.

Additional benefits

Choose your own custom payment due date

Choose your own unique payment date that fits within your lifestyle. Whether you want to pay your personal loan in the beginning of the month or the end of the month, it’s your choice!

Skip your payment twice a year

All members with a qualified personal loan are allowed to skip two payments per year. This puts more money in your pocket when you need it. Learn more about Skip-A-Pay.

Credit Life and Disability Insurance

Credit Life and Credit Disability Insurance is available with most loans. This optional coverage is underwritten by CMFG Life Insurance Company. Please ask your credit union loan officer for details. Learn more about Credit Life and Disability Insurance.

Applying for a personal loan is easy

You can apply for your auto loan 24 hours a day 7 days a week using our online application and we will respond to your application within 24 hours (except weekends). If you prefer to speak to a representative in person, call 800-245-9655, or visit one our convenient locations.

The application should take only a few minutes, and you will need the following items:

  • Valid Driver's license or passport
  • Member number
  • U. S. Social Security Number
  • U. S. citizenship or resident alien status
  • Current income & debt information

Apply for Loan   See Rates

Applicants must qualify under normal underwriting guidelines. Rates shown are lowest rates available and may vary depending on loan type, term, applicant credit history and credit union relationship. A relationship discount is offered to all qualified borrowers who maintain an active CDC FCU checking account, debit card, direct deposit and automatic debit. Rates and terms are subject to change.