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Personal Loans

You want options that are flexible yet affordable. Personal and secured loan options from Capital Credit Union allow you to borrow the money you need, when you need it.  The low-rate and personalized support throughout the process  will allow you to have confidence that your financial needs are met and endless possibilities exist.

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Signature Loans

Your signature equals a promise to pay. Get the money you want with an unsecured loan without listing any of your belongings as collateral. Your credit history, along with your John Hancock, seals the deal.

Signature loans can also be a great way to get your finances back on track when you consolidate debt to eliminate multiple payments and possibly save money in the long run.  

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KWIK Cash Line of Credit

A line of credit gives you peace of mind that you'll have money when you need it...and maybe when you want it too.

A Kwik Cash Line of Credit is like a credit card without the card. Draw from your Kwik Cash at any time with a simple online transfer, phone call, or by stopping in a branch. Only pay interest on what you use!
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Savings-Secured Loans

Financial dreams start with goals and guidance.  Improve your credit or start building credit all while getting the money you need to get on the path to financial security. 

Use your savings to secure a loan, make payments until the loan is paid in full, and then your savings is available for you to use, all while building your credit score and financial position.

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Vehicle Loans

Get the vehicle that fits your lifestyle.

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Credit Cards

A convenient way to pay.
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Student Loans

Because college is expensive.

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What is a Credit Builder Loan and How Does it Work?

If you have a challenged credit history – or no credit history at all – our Credit Builder Loans are designed to establish a healthy credit relationship at Capital Credit Union.

The borrowed funds are deposited to your account and placed on hold.  The funds are then released to you as each payment is made.


Term = 12 – 24 Months

Loan amount = $500 - $2000

Rate = 5.00% APR

We will report positive pay history to the credit bureaus as on-time payments are made.

Apply Now

Loan Rates

Type of Loan Term Rates As Low As
Loans with Collateral
(Cars, Trucks, Boats, etc.)
36 Months
5.74% APR*
$30.31 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)
48 Months
6.24% APR*
$23.60 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)
60 Months
6.24% APR*
$19.45 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)
72 Months
6.24% APR*
$16.69 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)
84 Months
7.49% APR*
$15.34 monthly payment per $1000 borrowed
Home Loans Terms Vary Visit Mortgage Rates page
Signature Terms Vary 11.95% APR*
Kwik Cash Terms Vary 18.00% APR*
Savings Secured Terms Vary 5.00% APR*
Credit Builder Terms Vary 5.00 % APR*
*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. Rates effective 03/14/2024. All loans are subject to approval.
Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
Other rates and terms are also available. Contact a Member Service Representative for more information or to apply 920-494-2828 or toll free 800-728-4294.