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Personal Loan Rates as low as 9.39% APR¹

Between holiday spending and year-end expenses, it’s easy to feel weighed down by multiple credit card balances.

A Personal Loan can help you simplify, save, and focus on what matters most this season. You could save thousands in interest when you consolidate credit card or other high-interest debt.

Studies show the average American consumer has approximately $6,500 in credit card debt.² Moving that balance to a Personal Loan could help to not only save on interest in the long run, but also make monthly payments more manageable.

See how much you could save with a Personal Loan

$6,500 Balance Paid Off Over 36 Months2

 Spectrum CU
Personal Loan		National Average Credit Card
Rate9.39% APR¹25.32% APR³
Est. Monthly Payment$208$259
Est. Interest Paid$984$2,843
Est. Savings: $1,859

Defer your first payment up to 90 days4

Apply by January 31, and you can be payment-free for the first 90 days.

Ready to see your rate?

Our online application makes it easy to apply, and you can see your personalized rate upfront with no commitment and no impact to your credit score. Get started today!

 

SEE YOUR RATE

A Personal Loan lets you borrow a lump sum of money and pay it back over a set time period.

Whether you are facing an unexpected medical or tax bill, need to make a big purchase, or want to save by consolidating high-interest debts at a lower rate, a Personal Loan could be your answer.

Good for:

  • Pay off unexpected medical or tax bills to avoid additional fees or penalties
  • Finance a major purchase
  • Consolidate credit card or multiple debts into one convenient loan with a set term

Benefits:

  • Save money by bringing high-interest debt into a lower rate with set terms
  • Borrow up to $25,0005
  • Flexible terms from 12 to 60 months5

 

Determine if debt consolidation is right for you.

 

Rates shown are "as low as." Rates are subject to change without notice. APR = Annual Percentage Rate.

¹ Annual Percentage Rate (APR) effective November 14, 2025, and applies to terms of up to 36 months. Rates subject to change at any time without notice. 

² According to TransUnion, the average credit card debt per American in July 2025 was $6,492. Calculations shown in the chart are for illustrative purposes only and are rounded to the nearest dollar. Actual interest paid may differ. Calculation results per bankrate.com.

³ According to Forbes Advisor’s weekly credit card rates report as of October 27, 2025.

⁴ Must apply between November 14, 2025, and January 31, 2026. At closing, you have the option to select up to 90 days of deferred loan payments on your personal loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your personal loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

⁵ Member must complete and submit a full loan application. Loans subject to application, credit qualification, and income verification. Minimum gross monthly income of $1,000 required. Loan amounts available between $2,000 and $25,000. Your APR will depend upon your credit history, term, and will be determined when a credit decision is made. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Other restrictions may apply. Loan payment example: $31.98 per month per $1,000 borrowed at 9.39% APR for 36 months. This is a payment example. Your payment may vary. All loans subject to approval.

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