Personal Loans

We’re Celebrating 90 Years of Service in 2026!

Take advantage of our limited time offer on Personal Loans starting January 1st, 2026 and ending on March 31st, 2026.

Apply on-line HERE.

Personal Loans are available up to $9000 with a 0.9% discount on current Personal Loan rates. That means you save on the interest you pay.

For example,

• For loans up to 12 months, you pay 7.10% APR instead of 8.00% APR.
• For loans between 13 & 36 months, you pay 7.35% APR instead of 8.25% APR.
• For loans between 37 & 60 months, you pay 7.60% APR instead of 8.50% APR.

Of course, some restrictions apply.

We offer Unsecured (signature) loans and Share Secured loans.

For more information on how we manage Direct Deposits and Electronic Funds Transfers (EFT), click HERE.

Benefits of Getting a Personal Loan.

• Unsecured loans are for a specific purpose such as debt consolidation, car repairs, major expenses, home improvement.
• Share Secured loans are secured by your Share account. As payments are made, the amount equal to the payment is released back into your account. It is like paying yourself back.
• To apply, click on the APPLY FOR A LOAN.
• You can apply online or print the application and drop it off at the Credit Union.
• Payments can be automatically deducted from your Share or Share Draft account.

Information Required as Part of the Approval Process.

• Verification of income from all borrowers – paystubs within the past 30 days and/or all other income sources.
• For a consolidation loan, please include a list of all open debts to be paid with this loan request.

Download PDF Form Option

Of course, for those of you who prefer to apply using a paper form, you can download a PDF form HERE. You can populate the form on your computer, print it out and deliver in person at the Credit Union.

You can email this information to newloans@kenteachfcu.com or fax it to (716) 877-6456.