Personal Loans

Personal Choice

When you incur expenses beyond your current means, turn to SFPCU for a Personal Choice Loan designed to meet your needs at a competitive cost. With this loan, you can borrow up to $25,000 for any purpose.

SFPCU helps members take care of their business with a flexible loan option that can be customized by amount and term.

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Features & Benefits

  • Low, competitive fixed rates
  • Lump-sum distribution
  • No collateral security required
  • Terms available up to 60 months
  • Balances beyond $15,000 may be extended to 72 months
  • Cover costs for any reason, including vacations, tuition, debt consolidation, vehicle repairs, etc.
  • Payment Protection available
Personal Choice
Rates Effective: March 2, 2015
LoanLoan MaximumTermAPR As Low As*
Personal Choice Loan++$25,0001-36 months10.49%
 $25,00037-60 months11.49%
 $25,00061-72 months12.99% $15k & over

*APR = Annual Percentage Rate. Example rate of 10.49% with 36 monthly payments = $32.50 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 10.74%). Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

++Maximum aggregate signature loan balances cannot exceed $25,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

Apply for an SFPCU Personal Choice Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Financial Services for First Responders
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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