Personal Loans

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Personal Loans


Our Personal Loans provide you with a variety of flexible options for nearly any purpose (consolidating debt, buying new furniture, home improvements, paying for a vacation, covering wedding costs and more).



  • Flexible Repayment Terms, up to 5 years

  • No Collateral Required

  • Speedy Approvals and Pre-Approvals

  • No Pre-Payment Penalties

  • Affordable Rates (starting as low as 8.50% APR*)



*APR=Annual Percentage Rate. Loans subject to credit approval. Rates are determined by an evaluation of applicant credit and may vary. Speak to a Financial Consultant for full details.


Lifestyle Signature Loans


Helping Change Happen. Our Lifestyle Signature Loans Expand Your Options.

We can help ease financing for life transitions and medical milestone events, including the costs of procedures that insurance may not cover.

LOAN PURPOSES INCLUDE (but not limited to):

  • Adoption

  • Cosmetic Surgery

  • Dentistry/Orthodontics

  • Electrolysis

  • Elective Surgery

  • Hair Restoration

  • Hearing Aids

  • Infertility Treatments

  • In vitro fertilization (IVF)

  • Lasik

  • Weight Loss Surgery

Avoid third-party programs that extend your payments over several years with hefty interest charges.  Cy-Fair FCU's Lifestyle Signature loan offers a practical solution at a very competitive rate.


  • Funds are made Available Quickly

  • Funds are Paid Directly to your Service Provider

  • Flexible Repayment Terms

  • Borrow up to $25,000

  • Rates as low as 4.25% - 9.25% APR* based on approved credit 





A Line of Credit gives you pre-approved access to a cash advance with flexible repayment terms up to 5 years (60 months)1.

Once your line of credit has been established, you can conveniently deposit cash advance funds into your Savings or Checking Account by visiting a branch in person, via MemberLine Automated Telephone Banking, or by logging into your CULink@Home account.

  • Vehicle Repair

  • Overdraft Protection

  • Major Purchase

  • Family Vacation





At Cy-Fair Federal Credit Union, secured loans are offered to members who want to borrow against their own funds and use specific accounts as collateral.

A Share Secured Loan allows you to borrow against funds in your own Savings Account by using those funds as collateral. The amount pledged in your savings account is reduced dollar for dollar as the loan balance decreases.

A Money Market Secured Loan is a type of loan secured by the funds in your Money Market Account and allows you to use these funds as collateral.


  • Receive a lower interest rate

  • Borrow up to 100% of amount on deposit

  • Build or re-establish credit

  • Maintain funds in your Savings on Money Market account



*APR = Annual Percentage Rate. Payment example, on a $20,000 loan with a 9% APR, you would make 60 monthly payments of $415.21