The freedom to finance nearly anything you need with no collateral necessary. Whether it’s a new computer, a dream vacation, or unexpected medical expenses, we can help make it happen.
Borrow against your Share or Share Certificate to secure better rates with accommodating terms.
Secured loans offer a cost-effective way to build or repair credit while keeping you financially flexible. They come with better rates and can help cover major expenses like home renovations, medical bills, or life events such as weddings and funerals.
| TERM | APR AS LOW AS*1 | ESTIMATED MONTHLY PAYMENT PER $1000 FOR 60 MONTHS |
|---|---|---|
| Personal Unsecured Signature Loan | 9.50% APR | $21.00 |
| Share Secured Loan | 2.12% APR | $17.58 |
| 12 Mo. Share Certificate Secured Loan*2 | 4.50% APR | $18.65 |
*1Annual Percentage Rates (APRs) effective as of 03/02/25 and are subject to change. Please be aware that Personal Unsecured Signature Loan rates may vary based on, term, credit history, and credit score. Share Secured and Share Certificate Secured Loan rates are based on current share rates, plus 2%. *2Additional Share Certificate Secured Loan terms are available.
N.E.W. Credit Union offers financial calculators for your upcoming projects or next adventure. Please use the following for research purposes and let us know if you have any further questions.
A secured personal loan is one where you have to put up something of value (like your car or house) as collateral. If you don’t pay back the loan, the credit union can take that item to recover their money.
An unsecured personal loan, on the other hand, doesn’t require any collateral. You don’t have to risk your property, but these loans may come with higher interest rates since the credit union has no guarantee they’ll get their money back if you default.
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