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Personal Loan

Whether you are looking to consolidate your high-interest rate loans into one payment, fund a special purchase or even cover a major expense, a Preferred Credit Union Personal Loan is a great financing option.

Loan Payment Calculator

Enter the length of loan, rate, and either the payment or loan amount -
the other will be calculated for you.

Or optionally enter your monthly payment amount.


  • Fixed Term
  • Fixed Rate
  • Fixed Payment
  • No Origination Fees
  • No Collateral Required
  • Competitive Rates
  • Apply Today

Personal Line of Credit

Sign up for a Personal Line of Credit with Preferred today!

Write Checks Worry-Free

Protect Your Account From Overdraw

Get the Financial Flexibility You Need Today

Financial Fitness

Are you in need of a financial checkup?  Let us help!  We will review your credit report with you and determine where we can save you money! Whether it’s transferring high interest rate credit card balances, or consolidating other debt, we are sure we can help you save money each month with rates as low as 7.99% APR* and terms up to 60 months.

Simply contact one of our specialized loan professionals to get started!


This is the lowest rate available. Your rate may be higher depending on your credit score. Payments as low as $19.80/$1,000 borrowed.

A Revolving Line of Credit (Check Protection)

Write checks without worrying about overdrawing your account. 

How It Works

If a check is written for more than what is in your share draft checking account, the check will be automatically covered by advancing funds up to your available credit limit with a minimum advancement of $100. You can apply for any amount of coverage between $100 and $10,000. Your approved amount becomes your personal reserve that you can use or not use as you see fit.

Become a PCU Member

Preferred Credit Union is a full service financial institution helping to serve the needs of those who work and live in our community. As your Preferred Financial Partner, our goal is to provide great member service while helping you save time and money on the products and services you need.