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Find a personal loan rate that fits your plans

Explore our personal loan rates and flexible borrowing options for the things you need now, with clear terms and support to help you choose what works for you.

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Comparison table
FeaturesYNCU PrimeCF Prime (Legacy prime not applicable to new credit
Current rate4.45%5.45%
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Types of personal loans

Fixed rate

A fixed rate personal loan from YNCU makes budgeting easier, with an interest rate and monthly payment that stay the same throughout your term. You’re protected from rising interest rates while keeping the flexibility to pay more than your minimum monthly payment and pay down your loan faster. You can also switch to a variable rate loan at any time without penalty.

Variable rate

A variable rate personal loan from YNCU offers an interest rate linked to the YNCU Prime rate, which may be lower than a fixed rate. Your rate rises or falls as YNCU Prime changes, while your monthly payment typically stays the same. Higher rates may lengthen the time it takes to repay your loan, while lower rates may help you pay it off sooner. You can also pay more than your minimum monthly payment to reduce your balance faster.