If you need access to cash for unexpected expenses, debt consolidation or more, a Personal Loan may be for you. Apply now it’s fast, and easy! Decisions are made locally. Plus, twice a year you may have the opportunity to Skip a Payment**, see details below.

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Personal Loan

Funds you can use for whatever your heart desires.  Borrow up to $20,000 with low rates and flexible terms.

Debt Consolidation Loan

Need to lower your monthly payments? A Debt Consolidation loan might be your answer. Combine your outstanding bills and credit cards into one monthly payment. You’ll be on your way to paying off your debt in no time!  We offer bill consolidation loans up to $20,000.

Vacation Loan

Looking to take your dream trip? A vacation loan from Central Credit Union can make it happen! We offer vacation loans up to $20,000.

Easy Cash Loan

Need a short-term loan for the holidays or summer fun? Twice a year we offer up to $2000 in an Easy Cash Loan with a 12-month repayment period. To apply, you’ll need to be a Central member for at least 6 months. You must be employed and have direct deposit to cover any current Central loan obligations, plus your EasyCash payment. You must have received at least 3 direct deposits prior to your Eash Cash Loan Application.  The application timeframe varies from year to year, but generally, it begins in June and December and runs for approximately a month. We notify our members when the promotion starts. 

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Personal Loan Rates

Effective as of March 5, 2024
TypeTerm**APR* as low asMo. Payment
(per $1,000 borrowed)
Personal / Anything LoanUp to 72 months12.90%$20.04
Vacation LoanUp to 72 months12.90%$20.04
Debt ConsolidationUP to 72 months12.90%$20.04
*APR = Annual Percentage Rate. The loans rates listed above are the lowest available rates. Your actual rate may be higher depending on your credit history and other factors. Maximum allowable repayment term will be based on amount borrowed and other factors. Monthly Payment estimates are based on the longest loan term shown. Loan approval is subject to creditworthiness and other factors. Rates are subject to change at any time. Please contact the credit union to verify the most current rates.

Worried about Debt?

We care about your financial health. That’s why we partner with GreenPath Financial Wellness to provide one-on-one budget reviews, debt management plans, credit report reviews, housing counseling, and student loan counseling.

Financial Wellness

**To qualify for Skip-A-Payment you must be a CCUMD member at least 6 months. There is a fee to Skip-A-Payment. Home Equity products and credit cards are not included in the Skip-A-Payment program.