Personal Loan Rates

Personal Loan Rates

Spectrum Credit Union's competitive personal loan rates offer affordable borrowing options tailored to your needs.

Rate Effective Date: October 9, 2023 
Loan TypeTermAPR as low as1
Personal Loan1-36 months


37-48 months9.30%
49-60 months9.70%
Personal Line of Credit  12.60%
Secured Loan2 Certificate Rate +2.00%

1 APR = Annual Percentage Rate. Rates are subject to credit approval. APRs based on factors including credit type, loan term, and credit worthiness/score. Loan terms are based on various factors including amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates are subject to change without notice.

2 APR is equal to the rate you are receiving on the certificate pledged as security at the time the loan is obtained, plus 2.00%.

Loan payment example: Personal Loan: $31.86 per month per $1,000 borrowed at 9.10% APR for 36 months

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