Personal Loans
Personal Loans/Signature Loans
A POECU Personal loan can be used at your discretion. You decide what to do with it. The sky is the limit!
Book a family vacation
Plan a wedding
Buy new furniture
Upgrade your appliances
Replace your roof
Consolidate debt (see below)
Repair your vehicle
Join a Mardi Gras Krewe
Apply for a personal loan based on your credit score & debt-to-income ratio with no collateral needed!
Rates are based on credit score & term of the loan.
Rates as low as 4.75%* APR
Terms vary
Loan Loyalty Discounts Apply, which can lower your APR* by as much as 1.25%
Consolidation Loan (Put Your Debt on a Diet!)
Instead of putting yourself on a diet that you’ll quickly break, put your Debt on a DIET. It’s the easiest diet you’ll ever keep!
POECU’s Debt Diet Consolidation Loan lightens the financial weight you’re carrying around and will help you achieve Financial Wellness.
Bring all your bills under control with one single due date and one low APR*.
On the Loan Application, select “personal loan” and our lending team will contact you to see if you’d like to schedule a Financial Wellness Review.
Optional - Start your Debt Diet with our FREE Financial Wellness Review. We’ll schedule a one-on-one review with our Certified Financial Counselors to review your bills - current and past-due - as well as your credit report.
After your review, you can choose to continue Free financial counseling to help you stay on your Debt Diet and keep your financaes in shape!
cash with a tape measure cinching it as it loses weight
Annual Percentage Rate (APR) as low as 4.75%; your rate may vary.
Sample Loan Calculation At 6.49% APR: With a 60 month term, the estimated monthly payments of a $10,000 loan will be $220.72.
Must be 18 years of age or older to apply. No repayment for 60 days if you apply now.
Tuition Loans
Our Tuition Loans are available for parents seeking help with paying tuition.
Rates as low as 4.25%*
Term of 12 months
Available for elementary and high school tuition
*Credit permitting
Skip-A-Pay Application
If your upcoming loan payment due date has you a bit overwhelmed, we can help! Apply today to Skip-A-Pay.
Loans in good standing with at least 6 consecutive prior on-time payments, can apply today for only a $25 processing fee.
One Skip-a-Pay request is allowed every 6 months per loan.
Most POECU loan types are eligible except Mortgages, HELOC, Visa payments and the Drive For Less lease style loan.