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 September 15, 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 September 15, 2025
Share or CD Secured
Rate
2.99% (Instant approval) 
Rates are effective as of September 15, 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 September 15, 2025
Share or CD Secured
Rate
2.99% (Instant approval) 
Rates are effective as of September 15, 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 September 15, 2025
Share or CD Secured
Rate
2.99% (Instant approval) 
Rates are effective as of September 15, 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 September 15, 2025
Share or CD Secured
Rate
2.99% (Instant approval) 
Rates are effective as of September 15, 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 September 15, 2025

More Info:

Personal Loans with All the Perks

Enjoy 1% off your approved rate, plus a $100 bonus!

  1. Vacation

    From the beach to a snowy slope, earn extra with your vacation loan!*

  2. Debt Consolidation

    Get your debt in check and earn more with your savvy money move!**

  3. Holiday

    Ready for a holiday celebration? Bring on the joy this year!*

*The $100 promotional incentive gift card applies to new vacation or holiday personal loans. The minimum financed by Copper State Credit Union must be greater than or equal to $5,000 to qualify for the promotional incentive. The member must submit their testimonial and photo within six months of their loan funding to receive the promotional incentive gift card. Refinanced Copper State Credit Union loans are not applicable. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice.

**The $100 promotional incentive gift card applies to new or refinanced debt consolidation personal loans. The minimum financed by Copper State Credit Union must be greater than or equal to $5,000 to qualify for the promotional incentive. The member must submit the Ultimate Budget Plan to Save Your Time and Free Your Money questionnaire within 30 days of their loan funding. Refinanced Copper State Credit Union loans are not applicable. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice.

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!
Personal Loan for Debt Consolidation

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. 

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!

 

Apply Now
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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.

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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.
Apply Now
FREE GUIDE

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

Get the funds you need with our Share Secured Loan. This loan allows you to borrow money using your savings balance as collateral to meet your money needs.

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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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Let Your Savings Grow
Our Shared Secured Loan allows you to access funds without emptying your savings.
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Low Rates
Did you know - our Shared Secured Loan rates are as low as 2.99%.
Apply Now

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.
Apply Now

$${amount}/mo

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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.

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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.

Disclosure

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
 
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