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Borrow up to $35,000
Receive your funds same day!
Why Choose an FCCU Personal Loan
- Competitive rates starting at 11.74% APR1
- Skip-A-Pay up to twice each year1
- Minimum $500 - Maximum up to $35,000.
- Rate will not exceed 17.24% APR.
- Terms from 24 months to 60 months.
Breathe Easy
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The many uses of personal loans
Personal loans get you cash fast, often the funds are available to you the same day. However many are left asking what exactly can these loans be used for?
You may use your primary Financial Institution’s Bill Pay service, mail in a check to FCCU at PO Box 840129 Houston, TX 77284, pay in person at a branch, set up ACH, pay through our Web Payment Center online ($5.00 fee) or over the phone ($15.00 fee). To process this online, click here.
Online Banking, Mobile App, PAT, Text Banking
If you default on your loan, lenders can take action that can hurt your credit and finances for years to come. This includes sending your loan to collections, reporting your default to credit bureaus and taking you to court, which could make getting new credit costly or impossible in the future.
To submit your request, please visit FCCU.org and login to Online Banking. From the left menu, click on Services > Skip A Pay Request. Check the box by the loan(s) you would like to skip, check the I Accept box and then Submit. Fees apply and as skip can be processed once every 6 months. Loans must be established for at least 6 months before a payment may be skipped. You may click here for full details about Skip A Pay. If you do not see any loans on the Skip A Pay form, it means you do not have any eligible loans to be skipped at that time. You may be interested in looking at Breathe Easy, our booster which allows you to skip a payment twice in a calendar year. Click here to learn more about Breathe Easy.
A savings account is what makes you a member of the credit union which is what unlocks all the additional products and services we offer.
The maximum amount you can request can vary based on your monthly spending, creditworthiness and other factors