Personal Loan Rates

Personal Loan Rates
Product Type
Repayment Terms
APR* as low as
Product Type
Personal Loans
Repayment Terms
24 - 60 Months
APR* as low as
Product Type
Share (Savings or Certificate) Secured Loan
Repayment Terms
24 - 60 Months
APR* as low as
Effective April 22, 2024

*APR = Annual Percentage Rate

Start Your Application Today!

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Personal Loan Features

Personal Loans allow you to make that powerful purchase, create a lifelong memory by planning a special occasion and ditch the stress that comes along with an unexpected expense. Borrow up to $10,000 to make your wish a reality.

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Competitive rates.
Our low Personal Loan rates offer you an affordable monthly payment.1
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Flexible repayment terms.
Choose the term that works for your budget. Loan terms range from 24 to 60 months.
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Quick application process.
Apply from the safety and comfort of your home 24/7 with our simple application.
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No restrictions on use.
Use the money for a fun experience, an unexpected bill or debt consolidation.
Apply Now
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Ready to save successfully?
You can achieve your financial goals without sacrificing your lifestyle. Consolidate multiple loan payments into one!
Debt Consolidation Loan

Too many cards with high interest rates?

With a debt consolidation loan, you may be able to lower your monthly debt payment. 

Apply Now
Stress Less

Consolidate your debt.

If you have multiple loans causing you stress, take a sigh of relief; we may be able to help.

In addition to building credit and making purchases, Personal Loans can also be used for debt consolidation. You can transform your multiple loan payments into one simple payment and pay down existing debt while simultaneously improving your credit.

Need some help? No problem. Copper State Credit Union is here to guide you towards financial freedom!


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Personal Loans = Fast Cash

  • Build credit.

    Our Share Secured Loans help you boost your credit score and offer an instant approval with no credit check. Your account balance serves as collateral.

  • Cover the unexpected.

    Sometimes life throws us a curveball. If you need a new water heater or an unexpected medical procedure, Copper State Credit Union has you covered.

  • Consolidate debt.

    Using a Personal Loan for Debt Consolidation is a great way to lower your monthly bill payments allowing you to save a little extra for the future.

  • Make memories.

    Our Personal Loans offer you the chance to create lifelong memories from a meaningful purchase, special vacation or celebration.

Woman in a kayak on a exotic beach location
Our Personal Loans offer financial freedom.
Whether you're planning your next excursion or recovering from your last adventure, our Personal Loans are the perfect solution. Our low Personal Loan rates and Share Secured Loan rates offer an affordable option that you can count on. No need to wait any longer, complete our easy online Personal Loan application now.
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Debt Relief Bundle

Get Our Debt Relief Bundle and Say Cheers to a Debt Free Future
Say Cheers to a Debt Free Future!

Grab your statements, grab your calculator and let’s dive into efficient debt payoff.

Included in the free guide:
  1. Introduction
  2. Debt Directable Dollars: First Step to Debt Relief is to Stop Overpaying
  3. Debt Relief Option 1: Fixed Payment Method
  4. Debt Relief Option 2: Payment Roll Up Method
  5. Conclusion

Get your free copy now!

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

Share Secured Loan Features

Secure the money you need with a Share Secured Loan. When you use the money in your savings to secure a loan, you continue to earn dividends on your savings balance!

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Boost your credit score.
A Share Secured Loan can increase your score in as little as 6-12+ months!
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Instant approval.
Talk about fast money! Receive instant approval with no credit check.
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Earn dividends.
Leave your money in your savings account so it continues to earn dividends.
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No credit check.
Your account balance serves as collateral, so there is no need for a credit check.
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Personal Loan Calculator

See how much you can afford with our Personal Loan Calculator. You'll see what works for your budget and can email results to yourself for later.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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enjoy the journey

Personal Loans provide freedom.

No matter what the future holds, we know we have the potential to shape it and make it our own. It's not just money, it's adventures, experiences, memories and freedom. Copper State Credit Union understands and that's why we'll do everything we can to ensure you have the financing you need to pursue all the possibilities that lie ahead.

Apply Now
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.

Have a Question?

Frequently Asked Questions

What is the difference between a Personal Loan and a Line of Credit?
  1. Personal Loan: Once your loan application is approved, you receive your loan money as a lump sum. You’re required to start making at least minimum payments and will pay interest on the money you’ve borrowed right away.
  2. Personal Line of Credit: This is a revolving line of credit similar to a credit card. You can borrow up to your limit or less and make a minimum monthly payment until it is paid off. Once paid off, the balance is available to be drawn from again if needed and payments would start up again.
Do you have loans available for those trying to boost credit?

Yes! Our Share Secured Loans can help you boost your credit score and offer an instant approval with no credit check. Your account balance serves as collateral instead.

What is the difference between an interest rate and APR?

The interest rate of a loan is the amount of money you are charged for borrowing money. Annual Percentage Rate (APR), is your interest rate stated as a yearly rate. It can give you a good estimate of how much it will cost to take out your loan.

Does Copper State Credit Union offer Business Loans?

Yes! We offer a variety of business deposit and loan products. Our loans include Business Auto Loans, Commercial Real Estate Loans and Business Credit Cards.


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.

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