Personal loans
Overview
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Personal loans with TCU
Home projects. Debt consolidation. Unexpected expenses. At Thrivent Credit Union, we know that sometimes you need a financial boost. That's why we're ready to help with a variety of personal loans.
See current loan rates
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Find the right loan for you
Thrivent Credit Union offers a variety of loans to meet your needs throughout your financial journey. Responsible borrowing is important to us. When you join and apply for a loan at TCU, we take time to make sure it's the right fit for you. Together, we'll evaluate your assets and financial goals, painting a clear picture of how a new loan will impact you and your family.
Browse our options, join TCU and make a thoughtful loan decision today.
Browse our options, join TCU and make a thoughtful loan decision today.
Unsecured Personal Loans
If you don't have collateral to use, this is an option to borrow $1,000 or more for a variety of purposes. Rates vary.
See current rates
700+
Credit Score
Credit Score
36-Month Term
(up to 60-month term available)
(up to 60-month term available)
680—699
Credit Score
Credit Score
36-Month Term
(up to 60-month term available)
(up to 60-month term available)
660—679
Credit Score
Credit Score
36-Month Term
(up to 48-month term available)
(up to 48-month term available)
620—659
Credit Score
Credit Score
36-Month Term
700+
Credit Score
Credit Score
36-Month Term
(up to 60-month term available)
(up to 60-month term available)
680—699
Credit Score
Credit Score
36-Month Term
(up to 60-month term available)
(up to 60-month term available)
660—679
Credit Score
Credit Score
36-Month Term
(up to 48-month term available)
(up to 48-month term available)
620—659
Credit Score
Credit Score
36-Month Term
You don't have to plan all alone
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Certificate secured
If you own a TCU certificate, you can take a loan on the money in the certificate. The rate is based off the certificate rate plus a percentage and the term can be up to the maturity date of the certificate.
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Personal Line of Credit
Preferred Line of Credit
If you need $5,000 or more, the preferred line of credit is for you. The interest rate is typically lower than the reserve line of credit and does not have to be tied to a checking account.
5-Year Term
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5-Year Term
Reserve Line of Credit
Life happens, and you can't always plan for it. Add a reserve line of credit to your checking account to cover emergencies or unexpected expenses. The interest rate is fixed, and you only pay interest on the amount borrower. There is no advance fee charge. You can easily transfer funds online or call us to do it for you.
Access the line of credit as long as the linked checking is open.
See current rates
Access the line of credit as long as the linked checking is open.
Preferred Line of Credit
If you need $5,000 or more, the preferred line of credit is for you. The interest rate is typically lower than the reserve line of credit and does not have to be tied to a checking account.
5-Year Term
See current rates
5-Year Term
Reserve Line of Credit
Life happens, and you can't always plan for it. Add a reserve line of credit to your checking account to cover emergencies or unexpected expenses. The interest rate is fixed, and you only pay interest on the amount borrower. There is no advance fee charge. You can easily transfer funds online or call us to do it for you.
Access the line of credit as long as the linked checking is open.
See current rates
Access the line of credit as long as the linked checking is open.
Investment Secured Line of Credit
If you have an eligible Thrivent Investment Management Inc. account and need a short-term loan, an investment secured line of credit might be an option for you. Get quick access to funds and use your investments as collateral, without cashing in on your securities. Term of 12 months.
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Life Insurance Secured
If you have a life insurance policy with Thrivent, you can borrow against the cash value of the policy. This type of loan has a lower rate than the unsecured loan with terms of up to 180 months (or 15 years).
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Thrivent Life Insurance Secured — Fixed Rate
Loan amount $5,000—$10,000
Term of 60 months
Loan amount > $10,000
Term of 60 months
Term of 60 months
Loan amount > $10,000
Term of 60 months
Thrivent Life Insurance Secured — Adjustable Rate
Loan amount $10,000—$100,000
Term of 120 months
Loan amount > $100,000
Term of 180 months
Term of 120 months
Loan amount > $100,000
Term of 180 months
Thrivent Life Insurance Secured — Fixed Rate
Loan amount $5,000—$10,000
Term of 60 months
Loan amount > $10,000
Term of 60 months
Term of 60 months
Loan amount > $10,000
Term of 60 months
Thrivent Life Insurance Secured — Adjustable Rate
Loan amount $10,000—$100,000
Term of 120 months
Loan amount > $100,000
Term of 180 months
Term of 120 months
Loan amount > $100,000
Term of 180 months
More loan options at TCU
Submit your application for a personal loan.
Check the status of your loan application.
Thrivent Credit Union is member-owned. Learn what it means to be part of the TCU community today.
Connect with a TCU team member.