Personal Loans


Personal Loans From First Pioneers

First Pioneers offers competitive rates on personal loans.

Whether you need vehicle repairs, vacation, education expenses, or debt consolidation, we are here to help.

Credit scores will be a primary factor in determining eligibility, rates, and amount borrowed. Once approved, we can generally process it within 24 hours. Call us today or apply online.

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    Personal/Signature Loans

    First Pioneers Federal Credit Union is here for you whenever you need money for a special purpose. Personal or signature loans that can be used to pay off school expenses, pay out revolving accounts, or take a special vacation. Credit qualified members can borrow up to $25,000 for up to 60 months.

    Credit scores will be a primary factor in determining eligibility, rates, and amount borrowed. Once approved, we can generally process it within 24 hours. Call us today or apply online.

    Apply Now!

    Share/CD Secured Loans

    Product Term APR* Credit Rating
    Shares Up to 48 months 2.5% + share/cd rate A+
    CD Secured Loan Rate Renews @ end of CD term 2.5% + share/cd rate A+

    Signature Loans

    Term APR* Credit Rating
    Up to 48 months as low as 11.00% A+

    Open Line of Credit Loans

    Term APR* Credit Rating
    No Set Term – re-qualifies every 3 years 15.00% A+ – B

    Overdraft Protection Loans

    Term APR* Credit Rating
    Up to 30 months/re-qualifies every 3 years 15.00% A+ – B
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    Other Loans

    Here are some other types of loans that we make for our qualifying members.

    SHARE OR CERTIFICATE SECURED

    With these loans, you are borrowing “your own money." You want a sum of money, but you don’t want to touch your savings. So you pledge the money you have saved and we make you a loan with that savings as collateral. You only pay 2.5% APY** above the current rate of the savings being pledged.

    This is an outstanding way for a member to establish their credit rating for the first time. It is also a way for a member to reestablish a credit rating that has had problems in the past. Members can use their own funds as pledges or those of any other member, as long as that member authorizes it.

    OTHER COLLATERALIZED LOANS

    The credit union will make loans on items of personal property. Boats/motors, jet skis, three wheelers, four wheelers, and tractors are examples.

    Loans & Applications

    Interested in a loan? You’ve come to the right place.

    Apply Now

    Product Term APR* Credit Rating
    Shares Up to 48 months 2.5% + share/cd rate A+
    CD Secured Loan Rate Renews @ end of CD term 2.5% + share/cd rate A+
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    Credit Builder

    Building or repairing credit can be hard to do. First Pioneers offers credit builder loans to help you establish or repair credit.

    The series of four loans is designed to establish a history of payments and pay offs for smaller loan amounts. $250 for six months, followed by $500 for six months, then $750 for 12 months, and finally $1,000 for 12 months.

    Interest rates are dependent on current market rates.

Making payments to your Credit Union is simple and as painless as possible. You can make your payments by payroll deduction, payroll deposit, automatic transfer and savings transfer. You can also pay via coupon book through the mail and in person here at the Credit Union or at a Shared Branch Service Center located nationwide.