Low Rates + No Payments for 60 Days

Personal Loans From 8.99% APR*

Consolidate high‑interest debt or cover expenses with a fixed‑rate loan — and make no payments for 60 days.

Borrow Smart & Start Fresh

We make it simple to break free from high‑interest debt — and you’ll start with no payments for 60 days.

Rates as low as 8.99% APR*: Pay less interest than high‑rate credit cards.
Keep your cash: Skip the first bill while you get settled.
Flexible terms: Choose a payment plan that fits your life.
Friendly service: Backed by a local team that puts people before profits.

Start With a Simple Conversation

Financial Breathing Room for Real Life

Consolidate Debt

Roll high‑rate balances into one fixed payment to simplify your budget and lower interest.

Handle the Unexpected

Cover repairs, medical bills, or surprises without draining savings or using high‑rate debt.

Fund Your Goals

Pay for weddings, renovations, or dream trips with a repayment timeline that fits your budget.

Borrow on Your Terms, Not Theirs

We’re a not‑for‑profit credit union owned by our members. That means lower rates, local decisions, and support focused on your financial wellness.

No prepayment penalties: Pay off your loan early with zero fees.
Local decisions: Approvals happen right here in Minnesota.

Common Questions About Personal Loans

How does the "No Payments for 60 Days" offer work?

Once your loan is funded, your first payment isn’t due for 60 days. This gives you two months of breathing room while interest continues to accrue during the delay.

Do I need to be a member to apply?

You don’t need to be a member to check your rate or start an application. You’ll just open a membership account (a quick process) before accepting the loan.

Can I pay off my loan early?

Yes. You can pay off your loan anytime with no prepayment penalties.

How do I get the lowest possible rate?

Your rate is based on credit qualifications. Members who set up automatic payments receive a 0.25% APR discount.

What can I use a personal loan for?

Most members use these loans to consolidate high‑interest credit card debt. You can also use the funds for unexpected expenses or personal goals like a wedding or home project.

Member Testimonial

“I moved to St. Paul 22 years ago and since then City & County Credit Union has been my go-to credit union. They have been there with me through every stage of growth — from my first new car to a personal loan for my wedding.”

Jeni M, CCCU Member

Disclaimers

*APR = Annual Percentage Rate. Actual rates and payment delay period based on applicant’s credit qualifications. Loan subject to credit approval. Rate effective as of 12/12/2025 and includes a 0.25% APR discount with automatic payments. Rates and terms subject to change at any time. Interest will accrue during the payment delay period. Loan requires full payments of principal and interest after payment delay period ends. Revolving loans not eligible for payment delay or discount. Loan purpose restrictions may apply. Contact CCCU Representative for more details.