As a CEFCU member, you have loan options beyond just Vehicle, Personal, or Home Loans.

Single Payment Notes

Enjoy the convenience of a lump-sum payment with a CEFCU Single Payment Note.


  • No monthly payments
  • Competitive rates
  • Secured or unsecured
  • Three-, six-, and 12-month terms

Shared Secured Loans

Enjoy a great rate with a Share Secured Loan from CEFCU. Your Loan is secured by funds on deposit at CEFCU in your Savings account, Insured Money Market Account, or Certificate(s).


  • Low, competitive rates
  • Good way to build credit

A Single Payment Share Secured Loan also is available for three-, six-, and 12-month terms.

Personal Secured Loans

Use collateral to obtain a Personal Secured loan when you need extra money. The value of the collateral must be enough to cover your outstanding loan balance and can include vehicles, RVs, stock, or the cash value of a life insurance policy.


  • Terms up to 48 months
  • Competitive rates
  • Affordable terms

Personal Unsecured Loans

Apply for a Personal Unsecured loan when you need a simple way to get the extra money you need. A Personal Unsecured loan can help you with everything from consolidating bills, to repairing your car, to taking a vacation.


  • Terms up to 36 months
  • No collateral needed
  • Affordable terms

Whichever you choose, you can count on CEFCU to provide one-on-one service and help with your financial needs. Contact CEFCU to discuss loan options or apply for the CEFCU Loan that's right for you.