Guide to Finding the Best Signature and Personal Loans in Texas
Credit unions in Texas has make it affordable for people to take out signature and personal loans. We help consumers throughout Texas including Dallas, Fort Worth, Houston, San Antonio, Austin and El Paso find the best loan offers. They don’t focus on making profits but they put priority in achieving the highest satisfactions for customers. Unlike banks, a credit union is member owned rather than owned by stock holders. The member owned structure allows member to share in the profits that are earned. The APR interest of personal loans is much lower compared to bank so it won’t put so much burden on the borrowers when repaying. The following are the top 5 credit unions that offer signature and personal loans in Texas.
American Airlines Federal Credit Union, Fort Worth
American Airlines Federal Credit Union is a credit union based in Fort Worth, Texas. It was founded by a few employees of American Airlines in 1936 with the purpose of providing finance assistance to employees of the airline. It now has over 271,000 as members and an asset of more than $6.3 billion. It has branches in many major airports in the USA.
American Airlines Federal Credit Union offers fast funds loans to give borrowers fast access to the funds you need for coping with an emergency. You can borrow up to $5000 and must repay the loan within a 4 months period. It only charge an APR interest of 18% and there won’t be other fees which makes it more affordable compared to payday loans. AA Federal Credit Union also offer other types of loans including personal loan, share certificate loan, disaster loan, share-secured loan and line of credit. Disaster loans offers loans for people who are faced with economic burden due to a natural disaster. The shared secured loan allows you to take out a loan by using your savings account as collateral. Share certificate loan allows you to use your share certificate as collateral for taking out a loan.
First Community Credit Union of Houston, Houston
First Community Credit Union of Houston (FCCU) is a credit union based in Houston. FCCU was originally established to help the employees of Alief Independent School District. It is one of the top credit unions in Houston and has approximately $1.2 billion in assets. It offers a signature loan called lifestyle loan suitable for people who need some funds to use for lifestyle purposes such as going for a holiday trip, and home renovation.
The interest rate for the FCCU lifestyle signature loan starts from 6.74%. Borrowers can skip the loan at least 2 times per day. The interest rate is fixed so you will be paying the same amount every month. FCCU offers secured loans that allows borrowers to use their savings account and CD as collateral. FCCU also offer other types of loans including RediCash loans and overdraft protection through RediCash loans.
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Randolph-Brooks Federal Credit Union
Randolph-Brooks Federal Credit Union (RBFCU) is a non for profit credit union established to serve staff of the Randolph Air Force Base. It has a total asset of $6 billions and ranks as the 25th largest credit unions in USA. RBFCU was founded under the name of Randolph Federal Credit Union on the September of 1952 with only 9 members. Its name was changed to Randolph-Brooks Federal Credit Union on the 25th October in 1961. Today, it has more than 500,000 members. It has received five star ratings from a number of rating organizations. It has over 50 branches in the south central part of Texas.
Randolph-Brooks Federal Credit Union offers unsecured signature loans with fixed interest rate. There are several loan terms to choose from including 24, 36, 48 and 60 months. The APR interest for the signature loan is in between 8% to 16.5%. Borrowers have the option of postponing the payment for up to 2 months. The signature loan is covered with the payment protection insurance. RBFCU also offers other types of personal loans including share secure and certificate secured loans, and line credit loans.
GECU credit union was founded in 1932 by 11 civil servants in El Paso. The credit union us headquartered in El Paso, Texas. It now has over 359,000 members and 22 branches in Texas. GECU has a total asset of $1.96 billions and is the largest financial institution in El Paso. It accepts residents in 3 counties as members including El Paso, Hudspeth and Dona Ana. GECU credit union is regulated by the National Credit Union Administration (NCUA).
GECU offers unsecured, partially secured and fully secured personal loans. Some of the different types of personal loans it offers are home improvement, vacation, debt consolidation, vehicle, vehicle refinance, fast cash, motor home, motorcycle and recreational vehicle loans. GECU offers variable APR for fully secured personal loan. Fixed APR rate is available for unsecured and partially secured personal loans with the APR rate ranging in between 9.90% – 17.90%. The loan repayment term is in between 1 month – 60 months depending on what type of personal loan you sign up. The fully secured personal loans can be repaid within a loan term of 120 months.
University Federal Credit Union (UFCU)
University Federal Credit Union (UFCU) is a credit union based in Austin, Texas. It was founded with the purpose of providing affordable loans for staff that work at universities and associations in Central Texas and Galveston County. It has members who are employees in more than 200 universities. It was originally founded on the 6th of May in 1936 with only 30 members. As of December 2016, it has a total asset of more than $2 billions and 217, 204 members.
University Federal Credit Union offers several types of personal loans including secured, personal line of credit and unsecured loans. The APR interest for the personal loans is in between 11.90% – 17.90% depending on your credit score. The signature loan can be used to cover just about any expenses. The loan term for the UFCU signature loans is up to 60 months. For every $1,000 borrowed, you will pay an interest charges of $22.70. There is a minimum loan amount for the unsecured signature loans.
Popular Markets For Signature Loan Offers in Texas
Abilene, Allen, Amarillo, Arlington, Atascocita, Austin, Baytown, Beaumont, Bedford, Brownsville, Bryan, Carrollton, Cedar Hill, Cedar Park, College Station, Conroe, Coppell, Corpus Christi, Dallas, Denton, DeSoto, Edinburg, El Paso, Euless, Flower Mound, Fort Worth, Frisco, Galveston, Garland, Georgetown, Grand Prairie, Grapevine, Haltom City, Harlingen, Houston, Irving, Keller, Killeen, Laredo, League City, Lewisville, Longview, Lubbock, Mansfield, McAllen, McKinney, Mesquite, Midland, Mission, Missouri City, New Braunfels, North Richland Hills, Odessa, Pasadenam Pearland, Pflugerville, Pharr, Plano, Port Arthur, Richardson, Round Rock, Rowlett, San Angelo, San Antonio, San Marcos, Spring, Sugar Land, Temple, Texas City, The Woodlands, Tyler. Victoria. Waco, Wichita Falls, Wylie
Texas Finance and Lending Regulation
State Finance Commission Bldg.
2601 North Lamar
Austin, Texas 78705