Personal Loans

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At Cy-Fair Federal Credit Union, we know that sometimes life throws you for an unexpected financial loop. So, we offer loans that can help in almost any situation, providing you with a variety of flexible options for a wide range of purposes.



  • Competitive interest rates

  • Credit limit

  • Speedy approvals and pre-approvals

  • No pre-payment penalties

  • Convenient payment options


Lifestyle Signature Loan

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

If you or your child needs braces or orthodontic procedures, you may be looking at biting off more than you expected. The average cost of braces runs $3,500 to $8,000, with clear, invisible or colored braces often costing more than traditional metal ones. Many insurance plans only cover children, and at just 25 percent, or 50 percent at most. 

Plus, the orthodontist’s bill may not be the only cost consideration. Adults getting braces may also need a deep cleaning and to replace old fillings pre-treatment. For adults and children, removing teeth is also sometimes part of the plan.

While we can’t help with the physical strain of orthodontia, Cy-Fair FCU can help cover the costs associated with orthodontia for all ages, through our unique Lifestyle Loan program. Having us make a payment on your behalf directly to your orthodontist can save you money in the long-run:

  • Some orthodontists offer a discount for upfront payments.  
  • Avoid third-party programs that extend your payments over several years, with hefty interest charges.

Good orthodontic care is more than just an aesthetic issue. Severe crowding or crooked teeth can make it harder to keep teeth and gums healthy. In addition, crooked teeth or a bite that doesn’t align may strain jaw muscles and wear down teeth over time. Smart planning can offset some costs and make the entire process easier to handle.

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:

  • Adoption

  • Cosmetic Surgery

  • Dentistry/Orthodontics

  • Electrolysis

  • Elective Surgery

  • Hair Restoration

  • Hearing Aids

  • Infertility Treatments

  • In vitro fertilization (IVF)


  • Weight Loss Surgery

A Lifestyle Signature loan offers a practical solution with a better interest rate than most credit cards. Funds are made available quickly, paid directly to your service provider and give you peace of mind with flexible repayment terms based on the amount borrowed.

  • Borrow up to $25,000  

  • Rates as low as 4.00% - 9% APR based on approved credit


Personal/Signature Loan

Cy-Fair Federal Credit Union offers Signature Loans for a wide range of expenses with flexible repayment terms up to 5 years (60 months)1. The great thing about a Signature Loan is that you can use it for any purpose that you choose.

  • Wedding or Honeymoon

  • Bill Consolidation

  • Home Improvement


Line of Credit Loan

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


Secured Loans

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


 Let us work with you to find the right fit for your unique needs.


1For example, on a $20,000 loan with a 9%APR, you would make 60 monthly payments of $415.21