Unsecured Personal Loans

Rate(APR)* Term Limit
11.46% – 17.95%
Up to 48 Months
$1,000 - $15,000

Debt consolidation, home improvement, transportation, medical, or life events — whatever the case might be — a South Texas FCU personal loan can help you. Borrow money with no collateral required, no early payoff penalty or origination fee.

  • Automatic Transfers
  • Direct Deposit
  • Other Loans

Automatic transfers enable you to set up regular monthly transfers to automatically take place on your accounts and loans.

For instance you can set up for funds to transferred from your share draft to your share account, or vice versa, every month. You can also transfer to other accounts such as your children’s separate STFCU accounts that you are not under your name.

The same can be done for any open loans you might have at the credit union, an automatic transfer will take money from your regular share accounts and pay your STFCU loan on the due date or any time after (if funds are not available on due date). This loan payment option is very useful especially for those of us who sometimes forget our due dates because of our busy schedules.

With direct deposit, you can arrange for your regularly recurring income such as paychecks, Social Security, retirement, veteran’s benefits to be deposited into your share or share draft account at the credit union.
This service not only saves you the trip to the credit union to deposit funds but also excludes you from all monthly share and share draft account fees.

The depositing institution or business will have to be notified by you that you wish to have your funds deposited to your STFCU account. Once that is done your funds will be deposited automatically without further intervention by you.

Type Rates & Terms
Shared Secured Credit Card/ Mastercard
Minimum $500.00
Shared & CD Secured Loans
Contact South Texas FCU for more info
Recreational Unit Loans
Contact South Texas FCU for more info

*APR = Annual Percentage Rate

The Board of Directors, as required by law, reviewed and set the rates effective July 1, 2023. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.