Low-Rate Personal Loans

A Little Relief Goes a Long Way

Steady your budget with a personal loan that offers rates as low as 8.99% APR and no payment due for 45 days.

Family laughing together on couch

Turn Stacked Costs Into Steady Payments

icon_pink-save100
One Manageable Payment

Turn multiple bills, or one big cost, into a single payment you can track easily.

icon_pink-information
The Same Amount Every Month

Know the exact payment you’ll make each month.

icon_pink-calendar-check
A Clear Finish Line

See when the loan will be fully paid off, with no guesswork.

Put a Plan Behind Big Expenses

Here are a few ways a personal loan can help you manage major costs.

Man sitting on floor looking at phone

Lower Your Interest

CREDIT CARD BALANCES

Move high-rate card totals into one simple loan and keep more money in your pocket each month.

Woman and child playing

Protect Your Cash Flow

CHILDCARE EXPENSES

Handle tuition or seasonal family bills with a fixed rate that fits comfortably into your routine.

worker-using-pneumatic-nail-gun-installing-roofing-shingles

Cover Unplanned Costs

EMERGENCIES & REPAIRS

Take care of car repairs, home projects, or medical bills with one steady payment that keeps your month on track.

Local Support That Treats You Right

Taking out a loan is a big decision. When you work with our loan team, you'll get:

  • Friendly guidance from people who listen first
  • Clear answers without the runaround
  • Local support from a team that knows Minnesota

CCCU employee and member walking

Let's Take the Next Step Together

Apply online in minutes, or talk things through with a local team member today.

APR = Annual Percentage Rate. Actual rates 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. Revolving loans not eligible for discount. Loan purpose restrictions may apply. Contact us for complete details.