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Consumer Loans

Loan Rates Apply Online

New and Used Vehicle Loans

KTCCU provides loans for all models and years of titled vehicles. Let us save you money on your new or used vehicle. We can even pre-approve you to make your car shopping easier and allow you the advantage of the "cash buyer" benefits at the dealer. The credit union offers competitive interest rates, easy repayment terms, credit disability and credit life insurance is available on all loans.

Unsecured Loans

This is an unsecured loan based on your signature limit. Contact a Loan Officer to determine your signature loan limit.

Recreational Vehicle Loans

Obtain a loan to purchase motor homes, boats, campers, trailers, motorcycles, 4 wheelers, snowmobiles.

Health Care Loans

We offer a special loan to pay for health care related expenses. Borrow up to $6,000 to pay for medical expenses.

Deposit Secured Loans

Borrow against the deposits you have in the credit union. The loan interest rate is only 3% over the dividend rate we pay you on your deposit (minimum rate is 4%). When the loan is paid in full, you still have the deposit, which was securing the loan.

Student Loans

TheSmart Option Student Loan ® for KTCCU by Sallie Mae® For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates providing even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

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