Loans

Personal

Educator Loan Program

A program designed to assist future educators with meeting their financial needs while pursuing their teaching credentials or admin certificate. To be eligible for this program, you must be enrolled in an EDLP Credential or MA Program.

• Maximum loan amount up to $7,500
• Fixed rates as low as 8.90% APR*
• No payment for 90 days**
• Terms up to 60 months
• No collateral or security required For more information regarding the Educator Loan Program, please contact Call Center at 916.364.1700 or 800.233.6328.

*APR = Annual Percentage Rate. Rates are current as of 4/22/11 and are subject to change without notice. Loans are subject to credit approval. Actual rate is based on credit evaluation, amount financed, and loan term. $7,500 at 8.90% APR requires 59 monthly payments of $155.48 with a final payment of $154.12. Restrictions apply. **Interest begins accruing upon disbursement of loan. 

Signature Loan

Borrow a set amount distributed in one lump sum based on your personal credit rating.

• Maximum loan amount up to $10,000
• Terms up to 60 months†
• Fixed rate and term
• Competitive rates that rewards members who have protected their credit while allowing members with a less than perfect credit history the opportunity to rebuild their credit
• No collateral or security required Apply online, or contact our Call Center or call 916.364.1700 or 800.233.6328

^†$5,000 at 14.49% APR requires 35 monthly payments of $172.20 with a final payment of $168.61.

CreditPlus - Personal Line of Credit

Establish a credit line to use at your convenience without the possibility of rising credit card rates and fees.

• Maximum loan amount of $10,000
• No annual fee
• Competitive, fixed rate
• Link to your checking account as a source of overdraft protection
• Revolving credit line
• Access your funds in person, by phone, online, by mail, or at HCCU ATMs
• No collateral or security required Apply online, or contact our Call Center or call 916.364.1700 or 800.233.6328.

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Share Secured

Use your HCCU savings or certificate account as collateral when financing your next purchase. Share Secured loans allow members to establish or build up their credit at a low affordable rate.

Apply online, or contact our Call Center or call 916.364.1700 or 800.233.6328.