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General Electric Credit Union

Personal Loans

Looking for a quick, affordable loan? 

Finance just about anything with competitive rates to save you on interest.

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Personal loans to finance just about anything

An easy way to take care of your cash needs.

Secured Personal Loan

Secured Personal Loans allow you to choose from a variety of collateral – vehicle, certificate, or savings account – to secure your financing. By pledging collateral as security, you can enjoy a low rate personal loan.

Unsecured Personal Loans

Also known as Signature Loans, Unsecured Personal Loans can be used to borrow money for any reason. You’ll pay a fixed rate and won’t be required to provide collateral – your signature and good credit history is all that is needed.

Hardship Emergency Loan Program (HELP)

Our HELP loan can provide you with funds quickly during difficult times. Features include:

  • Loan amount between $100 - $1,000 
  • Up to six (6) months, minimum 30 days to first payment 
  • Must be a GECU member for 90 days
  • No application or processing fees
  • No prepayment penalty

Overdraft Line of Credit (ODLOC)

Add an ODLOC to your checking account, then the available balance (or available limit) of the ODLOC will be considered at the time of your transactions. If there are not enough funds in your account to cover the transaction, it will allow the authorized transaction to go through and not be declined or returned.

  • There is no cost to apply for an ODLOC.
  • There are no daily, monthly, or annual fees.
  • There is a small fee of $2.00 each time there is a transfer from your ODLOC. 
    • You can avoid this fee by transferring the funds yourself within Online Banking or our mobile app by using the transfer feature. Simply login, select Make/Schedule a Transfer under Move Money, then transfer funds from your ODLOC to your checking account.

As this is a loan, there is an annual percentage rate charged on any outstanding balance; you will pay simple daily interest (which is also lower than the industry average). And, since it is a loan, you will need to apply for for it, similar to other types of loans.

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To apply for a personal loan:



Hardship Emergency Loan Program: 18.00% APR available for up to 6 months up to $1,000.00. A sample repayment schedule is: 6 monthly payments of $175.40 for $1,000.00 borrowed. Available after 90 days of membership. Maximum of 3 HELP Loans in a rolling 12 month period, however, any open HELP Loan must be paid in full prior to opening a new HELP Loan.

We provide Online Banking and our mobile app to you for free; however, message and data rates may apply. Contact your service provider for details.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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