Personal Loans

We understand that life sometimes brings unexpected expenses, and you need a little help. Telcoe FCU offers secured and unsecured personal loans to address a range of needs that will make your present pleasant, and secure your future.

Our lending experts live and work in central Arkansas, recognize your needs, and how to fulfill them without compromising your savings.

View Current Rates

Summary
  • Competitive rates for a wide variety of personal needs:
  • Family vacation
  • Credit building
  • Vacations
  • Christmas
  • And secured loans for anything you need!
  • Low $15 application fee
  • Choose from a variety of repayment terms customized to fit your life
  • Turnaround time as little as 24 hours**
  • Helpful loan advisors with strong knowledge of the local market
  • Local, Arkansas decision making and processing
  • Friendly, attentive service from start to finish
Secured vs. Unsecured Loans

Every individual approaches us from a different background and current circumstances. At Telcoe we believe that offering both secured and unsecured loans honors the uniqueness of all our members.

Secured loans

  • Funds secured by savings established with Telcoe FCU, or personal property as collateral
  • Competitively low rates for a wide range of personal needs
  • Typically lower rates due to collateral backing
  • Determined by collateral
  • Turnaround time as little as 24 hours**
  • Savings remain intact and incurring dividends, thus reducing the actual cost of your loan
  • Helps establish or re-establish credit
  • Choose from a variety of repayment terms customized to fit your life, up to 36 months
  • Local, Arkansas decision making and processing
  • Friendly, attentive service from start to finish

*Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit worthiness and are subject to change without notice. Loan terms available may vary depending on amount borrowed, length of contract, credit history, and payment method. All loans are subject to approval. Regular terms and conditions apply. Telcoe Federal Credit Union is an Equal Opportunity Lender.

**Turnaround time frames may vary based on the amount of time it takes to get the required paperwork and documentation to our loan department.

Unsecured Loans

  • A loan secured by the credit of the borrower
  • No collateral necessary
  • Borrowers must have a high credit rating
  • Can be useful for smaller loans
  • Helps establish or re-establish credit
  • Choose from a variety of repayment terms customized to fit your life
  • Local, Arkansas decision making and processing
  • Friendly, attentive service from start to finish
Credit Builder Loans

Considering the unpredictable nature of the economy over the last decade, many, many people are in need of help restoring their credit, or establishing new credit for the first time. Telcoe FCU has designed this loan specifically for that purpose.

  • Improve your credit score
  • Loan amounts between $500 and $1,000
  • Funds are frozen until loan is paid in full
  • Low $15 application fee
  • Turnaround time as little as 24 hours**
  • Low monthly repayment terms up to 24 months
  • Local, Arkansas decision making and processing
  • Friendly, attentive service from start to finish

*Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit worthiness and are subject to change without notice. Loan terms available may vary depending on amount borrowed, the length of contract, credit history, and payment method. All loans are subject to approval. Regular terms and conditions apply. Telcoe Federal Credit Union is an Equal Opportunity Lender.

**Turnaround time frames may vary based on the amount of time it takes to get the required paperwork and documentation to our loan department.