Consumer Loans

Loan Rates Apply Online

New and Used Vehicle Loans

KTCCU provides loans for all models and years of titled vehicles. Let us save you money on your new or used vehicle. We can even pre-approve you to make your car shopping easier and allow you the advantage of the "cash buyer" benefits at the dealer. The credit union offers competitive interest rates, easy repayment terms, credit disability and credit life insurance is available on all loans.

AutoSmart Car Shopping

Unsecured Loans

This is an unsecured loan based on your signature limit. Contact a Loan Officer to determine your signature loan limit.

Recreational Vehicle Loans

Obtain a loan to purchase motor homes, boats, campers, trailers, motorcycles, 4 wheelers, snowmobiles.

Health Care Loans

We offer a special loan to pay for health care related expenses. Borrow up to $6,000 to pay for medical expenses.

Deposit Secured Loans

Borrow against the deposits you have in the credit union. The loan interest rate is only 3% over the dividend rate we pay you on your deposit (minimum rate is 4%). When the loan is paid in full, you still have the deposit, which was securing the loan.

Student Loans

Wherever you are in your higher education, get the money you need for school. Student loans from KTCCU in partnership with Sallie Mae® could help! For borrowers attending or borrowing for a student attending a degree-granting institution.

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

  • -Competitive interest Rates
  • -Multiple repayment options
  • -No origination fees; no prepayment penalty¹

Smart Option Student Loan® for Undergraduate Students
Parent Loan
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study

Find out which loan is right for you

Borrow Responsibly.
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. KTCCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loans and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers (who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U. S. permanent resident) and are required to provide and unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

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