Untitled design-Jun-02-2023-05-08-15-1375-PM

Treat Yourself

Everyone deserves to love the life they're living. Let's get you there.

Personal Loans Provide Fast Access To Cash

Our affordable and flexible Personal Loans make it easy to get the funds you need for your next Arizona vacation, big purchases or other needs. You’ll have the freedom to use your loan however you choose.

Getting started is fast and easy. Apply to get a Personal Loan today¹ and enjoy flexible terms, a quick decision and a payment that fits your budget.

view rates

Personal Loan Rates

We're all about transparency for our members. Although rates, terms and conditions are subject to change, see this table for a general guideline when it comes to our lowest rates available by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

Personal Loan Rates by Credit Score

Share or CD Secured

Rate
2.99% (Instant approval)

Rates are effective as of November 24, 2025

Unsecured

24 Month Term	36 Month Term	48 Month Term	60 Month Term
10.00%	10.50%	11.00%	11.50%

Rates are effective as of November 24, 2025

Share or CD Secured

Rate
2.99% (Instant approval)

Rates are effective as of November 24, 2025

Unsecured

24 Month Term	36 Month Term	48 Month Term	60 Month Term
11.00%	11.50%	12.00%	12.50%

Rates are effective as of November 24, 2025

Share or CD Secured

Rate
2.99% (Instant approval)

Rates are effective as of November 24, 2025

Unsecured

24 Month Term	36 Month Term	48 Month Term	60 Month Term
12.25%	12.75%	13.25%	13.75%

Rates are effective as of November 24, 2025

Share or CD Secured

Rate
2.99% (Instant approval)

Rates are effective as of November 24, 2025

Unsecured

24 Month Term	36 Month Term	48 Month Term	60 Month Term
14.00%	14.50%	15.00%	15.50%

Rates are effective as of November 24, 2025

Share or CD Secured

Rate
2.99% (Instant approval)

Rates are effective as of November 24, 2025

Unsecured

24 Month Term	36 Month Term	48 Month Term	60 Month Term
16.00%	16.50%	17.00%	17.50%

Rates are effective as of November 24, 2025

More Info:

Loan Term is the length of time you'll be paying back the loan, usually shown in months
Credit Score is a number between 300-850 that reflects your likely ability to repay a loan. More info on credit score's five key factors here or log into online banking to check your current score here

Unsecured Personal Loans

Get the money you need with no collateral required. An unsecured personal loan offers flexible funding for whatever’s next, from consolidating debt to covering unexpected expenses, with competitive rates and easy repayment options.

GET STARTED | LEARN MORE ≫

Share Secured Personal Loans

Use your savings as collateral and borrow with confidence. A secured personal loan lets you access funds while continuing to earn dividends on your savings — a smart, low-rate way to reach your goals without touching your savings balance.

GET STARTED | LEARN MORE ≫

Vacation

From sandy beaches to snowy slopes, make every getaway unforgettable.^*
Debt Consolidation

Combine balances into one manageable payment and take control of your finances.^**
Holiday

Make the season extra special without the post-holiday stress.^*

Affordable Personal Loans In Arizona

Whether you’re planning something special, covering an unexpected expense or consolidating debt, our Personal Loans make it simple and stress-free. Borrow up to $10,000 and bring your plans to life.

Competitive Rates

Enjoy low rates that keep your monthly payments affordable.¹

Flexible Terms

Choose a repayment period between 24 and 60 months to fit your budget.

Fast, Simple Application

Apply anytime, anywhere, with our quick online process.

Use It Your Way

Enjoy no spending restrictions — cover bills, plan events or pay down debt.

Home (300 × 200 px) (260 × 260 px) (3)

Ready To Save Successfully?

You can achieve your financial goals without sacrificing your lifestyle. Consolidate multiple loan payments into one!

dad kissing son

Take Control Of Your Future

Establish or rebuild your credit now for financial freedom in the future.

Share Secured Loans In Arizona: Build Credit While You Save

Need extra funds without dipping into your savings? A Share Secured Loan lets you use your savings as collateral while your balance continues to earn dividends. It's a smart, low-risk way to access cash, build credit, and keep your financial goals on track.

Boost Your Credit

Improve your credit score in as little as 6–12+ months with on-time payments.

Fast, No Hassle Approval

Get instant approval with no credit check required.

Keep Your Savings Intact

Borrow without depleting your savings so your balance continues to earn dividends.

Low, Member-Friendly Rates

Enjoy rates as low as 2.99% APR² for an affordable monthly payment.

Personal Loan Calculator

Use our Personal Loan Calculator to see how different loan amounts and terms fit your budget. You can even email the results to yourself to review later or share them with a loan specialist.

Your actual term and payment will be provided once your Copper State CU loan is approved. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

Loan Amount

Interest Rate (%)

Loan Terms (months)

$${amount}/mo

Email me results

First Name

Last Name

Email

Email me results

Success! Your calculator results have been emailed.

Please fill all the fields.

Personal Loans Give You Freedom To Enjoy The Journey

No matter what the future holds, Copper State Credit Union helps you make it yours. A Personal Loan isn’t just about money — it’s about exploring opportunities, experiencing new things and creating lasting memories. We’re here to provide the financing you need to pursue your goals and seize life’s possibilities.

Member Personal Loan

Jorge B.

Copper State Credit Union is very helpful, understanding and patient.

Most importantly they allowed me to explain my situation about repairing my credit. Not once did I feel that they were judging me or making me feel less because of a credit score.

I really appreciated it and the communication was great. Thank you.

Personal Loans: Fast Access To Cash & Financial Flexibility

Loan Features & Benefits

Our personal loans offer competitive rates starting at 10.00% APR² — and as low as 2.99% APR² for Share Secured Loans — with flexible terms from 24 to 60 months. You can apply anytime with our quick and easy online application. Plus, there are no restrictions on how you can use your funds, whether it’s for a vacation, home improvement, debt consolidation or other personal expenses.
Special Promotions

Take advantage of our current incentives: Enjoy 1% off your approved rate and a $100 bonus on vacation or holiday loans^* — or earn a $100 bonus when you consolidate multiple loans.^**
Share Secured Loans

With a Share Secured Loan, you can boost your credit score in as little as 6–12+ months, gain instant access to funds with no credit check, borrow without touching your savings and enjoy rates as low as 2.99% APR².

Home (300 × 200 px) (260 × 260 px) (2)-1

Thinking about a new project, a big purchase or a much-needed vacation? Our personal loans can help make it happen — quickly, affordably and on your terms.

Stress Less With A Personal Loan For Debt Consolidation

Managing multiple loans can feel overwhelming, but a Personal Loan from Copper State Credit Union can simplify things. Our Debt Consolidation Loan lets you combine multiple payments into one easy monthly payment, reduce interest costs and take steps toward improving your credit.

Our team is here to guide you toward financial freedom and ensure the process is clear, simple and stress-free.

Debt consolidation

KASL Email Graphic-1

Have Cards With High Interest?

Do you have too many cards with a high interest rate? With a debt consolidation loan, you may be able to lower your monthly payment.

Answers To Some Frequently Asked Questions

What is the difference between a Personal Loan and a Line of Credit?

Our Personal Loans and Lines of Credit are both convenient ways to borrow. They differ in how you receive and repay the money.

With our Personal Loans in AZ, you'll receive a lump sum of money and repay it with fixed payments over the repayment term, which is typically 3-7 years.

Lines of Credit work like credit cards. You can borrow as needed up to your credit limit, and you only pay interest on the amount you use. Your available credit is replenished when you repay the money you borrow.

Do you have loans available for those trying to boost their credit?: Yes, a Share Secured Loan can help you build or improve your credit. It’s a secured loan credit union option that lets you borrow money using the balance in your savings account as collateral. No credit check is required, so applying won’t affect your credit score or credit reports. Plus, Share Secured Loans offer instant approvals, so you can access the funds you need right away.

What is the difference between an interest rate and APR?

The interest rate is the cost of borrowing money. It's typically expressed as a percentage of the loan amount. For example, if you borrow $5,000 at a 6% interest rate, you'll pay 6% of that amount in interest each year until the loan is repaid.

The annual percentage rate (APR) includes the interest rate and any fees or other loan costs. It gives you a more complete picture of how much you'll pay for the loan each year.

Is a Personal Loan a good idea for debt consolidation?: Yes, a Personal Loan lets you combine multiple high-interest debts into a single monthly payment. The interest rate is typically lower, which helps you save. You can also extend the loan term to give you a more manageable monthly payment. Credit unions typically have the best Personal Loans for debt consolidation because they offer lower rates and more flexible terms than other lenders.

Can I get a Personal Loan to pay off credit card debt?: Yes, a Personal Loan for credit card debt and existing debt can help you save on interest. Our Personal Loan rates in AZ are typically lower than the rates for credit card balances. The monthly payments are also fixed, which simplifies repayment and makes it easier to stay on budget.

Is it good to get a Personal Loan from a credit union?

A credit union Personal Loan offers a flexible and affordable way to borrow. Credit unions are member-owned financial institutions that typically offer lower rates and more personalized service than other lenders.

At Copper State Credit Union, applying for a Personal Loan is fast and easy. You can submit your loan application online, visit a branch or give us a call. There are no origination fees, prepayment penalties or minimum loan amounts. We also offer fast loan decisions, typically within one business day, so you can get the funds you need quickly. With Share Secured Loans, approval is instant, and a credit check isn’t required.

What is the minimum credit score for a Personal Loan at a credit union?: The credit score required for a credit union Personal Loan varies, although a minimum score of 620 is common. Keep in mind that your credit score is just one factor that will be considered. Your income, monthly debts and other financial information will also be reviewed. Checking your rates before you apply can give you a better idea of what to expect and help you compare your options.

Disclosure

¹ All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required.

² APR range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards. Share rate + 2.50% with a floor of 2.99%. The maximum unsecured amount that can be financed is $10,000. The following guidelines apply to all loans:

Rates will not go below the floor of 2.99%
Your rate is based on your current financial situation and credit history