Personal Loans

TOHEFCU has the perfect loan to suit your needs. We offer our members a wide variety of loans to get you through a rough month, consolidate your debts or give you some extra cash near the holidays.

Personal Loans

If an unsecured loan is the best borrowing option for you, try a low-rate TOHEFCU personal loan. This type of loan does not require any collateral, has a fixed payment and term and a competitive rate.

Make sure to watch for our Seasonal Specials!

Line of Credit Loans

A TOHEFCU Line of Credit Loan is our most convenient loan. Once you are pre-approved you can get cash when you need it.

  • Easy, convenient way to borrow for just about any reason imaginable
  • Eliminates the need for Payday Lenders
  • This is an open-end loan, so as you pay down your balance the funds become available to use again and again
  • Easy to manage payments with competitive fixed rates
  • No collateral required

Overdraft Line of Credit Loan

  • The Overdraft Line of Credit is designed to protect our member's credit when they run a little short from time to time in their checking account.
  • Avoid costly return item fees and the embarrassment of returned items
  • Limits can range from $500 to $5,000 based on credit worthiness
  • Funds are automatically advanced when you don't have enough to cover a check, ACH debit, Bill Pay debit or Visa Debit card transaction. You'll pay a small $2.00 fee for each overdraft advance.
  • Easy to manage payments with competitive fixed rates

Bill Consolidation Loan

A TOHEFCU Bill Consolidation Loan allows you to pay off your high interest debt and have just one low monthly payment.

  • Simplify your bill payment and organize your personal finances
  • Available up to $30,000 for as long as 84 months for qualified members
  • A low rate of 9.9%
  • Bring in your bills with your completed application and we'll do the rest!

Remember all of our loans offer easy repayment through Payroll Deduction/Direct Deposit or Automatic Payments!

Ask us about Credit Life and Credit Disability Insurance to protect your family.