Personal Loans

Loans for Everyday Life

We offer personal loans and other loans to help you finance your dreams. Find the right loan for your family’s bottom line and your overall quality of life.  


Flexible Funds to Help Achieve Your Financial Plans

Apply for a loan online

Fast Online Application Process


Low, Competitive Fixed Rates

Personal Loans

Whether it’s a vacation, unexpected expenses, or debt consolidation, a personal loan may be the solution for you. With low rates and flexible terms, we can help to make your payments work for your situation.

  • Borrow up to $30,000
  • Competitive fixed rate and terms
  • Quick Application Process

Share Secured Loans

Borrowing money doesn’t have to be intimidating. A Share Secured Loan allows you to borrow up to the balance in your Share Savings or Share Certificate account while keeping your savings untouched.

  • Borrow up to 100% of your available account balance
  • Continue earning dividends while you repay the loan
  • Competitive rates that are 3.5% over the most recent dividend paid or rate being paid on your certificate

Smart Choice Loan

When there is more month than your money, our Smart Choice Loan may be the solution to help. Borrow up to $1,000 with short flexible terms. Plus, gain great financial management tools to help you manage your finances for future scenarios.

Life happens. When it does, Member’s ChoiceTM Borrowers Security ensures your loan payments get made if you lose your job or become disabled due to an injury or illness. The protection even covers your loans if you pass away, protecting your family from financial hardship. This voluntary loan-payment protection is a nice way to protect your family’s financial future.

You may cancel your Loan Payment Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.

For more information call (800) 368-8432

Your purchase of MEMBER’S CHOICE Borrowers Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms MEMBER’S CHOICE Borrowers Security.

Great rates and very helpful staff!

APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. 

*Smart Choice application fee is not refundable, and applies regardless of whether credit is extended. To qualify, you just need to authorize a credit check, be 18 years of age or older, have direct deposit into your Transportation FCU account, and be a member in good standing for at least 90 days. That means you’re current on all of your loans at the credit union, and you don’t have more than three loans in any rolling six-month period.