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Holiday Personal Loans

Rock the night away!

It's never been easier to get everything on their wish list (and yours!) for the holidays. Use your funds to get your house ready for holiday guests, fill stockings, or make their days merry and bright. Best of all, you can get the season started right for as low as $44 per month.*

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No Collateral Required to Qualify

Fixed Rates, Terms, and Monthly Payments

No Origination Fees or Prepayment Penalties

Competitive APR for the Life of the Loan

Personal Loan FAQ

  • Membership is required to qualify for our products and services. Fortunately, if you’re eligible for membership, joining is easy: a $5 minimum deposit in an account.

    Greater Texas Federal Credit Union membership comes with a range of benefits and discounts, as well as special access to various insurance and tax products and services.

  • You can become a Greater Texas Credit Union member if you live, work, worship or go to school in portions of the following counties:

    • Brazos
    • Bastrop
    • Dallas
    • Harris
    • Hays
    • Hidalgo
    • Bexar
    • Tarrant
    • Travis

    Also eligible for membership are businesses and other legal entities located in portions of these counties, as well as employees, faculties, and staff of the following educational institutions:

    • Texas A&M University
    • Texas State University
    • Bastrop ISD
    • Elgin ISD
    • Hays Consolidated ISD
    • Leander ISD
    • Northwest Lineman College

    Membership is also open to immediate family member(s) of individuals who are eligible to join, or if someone in your household is eligible to join.

    We define "household" as those individuals living in the same residence, maintaining a single economic unit. This can mean any permanent member who participates in the maintenance of the household (i.e. family members, domestic partners, foster children, legal guardians, and roommates).

    When it comes to Greater Texas Credit Union emergency loans, rates may be as low as 7.49%* APR.

    For answers about specific term lengths and any additional considerations, you can consult with one of our experienced loan officers.

  • Your individual loan rate will vary based on your credit history and payment history. Borrowers who qualify for the lowest rate will have a better credit score than borrowers with less credit or lower scores. If you’re thinking of taking out a loan, be advised that a history of full, on-time payments tends to affect your credit score for the better.

    As for paying off the principal, payments are set at $20.03 per every $1,000 borrowed.**

    For example, the payment on a $10,000 loan would be $ $200.34 per month by using the $20.03 per $1000 at a non-variable interest rate of 7.49% APR with a 60 month term. This equates to $12,019.90 over the life of the loan. Membership is required with a $5 minimum deposit.

    To determine how much your loan payment might be or how long it might take to pay off your loan, use our loan payment calculator and loan payment amount calculator.

    When you consolidate your debts, you can sometimes reduce your interest payments and pay off your loans more quickly so you can get out of debt faster.

    If you’re considering debt consolidation, check out our calculator.

  • Absolutely. One of the benefits of borrowing through a credit union is that we’re invested in your success. When one member thrives, every member wins.

    In addition to our personalized customer service, we also offer financial education resources, including our library of articles and free personal financial coaching through KOFE.

  • Yes! We offer online and mobile banking for your convenience.

    Our digital banking services help you manage your accounts, make payments, transfer funds, and more. We also offer budgeting tools, a branch locator feature, and other resources. Set up automatic payments so that you don’t have to worry about missing a payment.

    You can also sign up to receive automated accounts with alerts about your account, as well as secure eStatements, with the ability to view up to twelve months’ worth of past statements online.

    In addition to online payments, you can pay in person at any branch, mail in your payments, or you can make payments over the phone for a $10 convenience fee.

  • We offer a range of financial products and services, including a variety of checking and savings accounts. The accounts available to eligible members include:

    • Free Checking
    • Student Checking
    • Essential Checking
    • Business Checking
    • Teen Checking
    • Gold Star Checking Club
    • Regular Savings
    • Term Share Certificates
    • Money Market Accounts
    • Christmas Club
    • IRAs
    • Health Savings Accounts
    • Coverdell ESAs

    Our loan offerings include not only personal loans, but credit cards, mortgages, auto and recreational vehicle loans and refinancing, home equity loans and lines of credit, boat and motorcycle loans, private education loans, and business loans.

Similar Loan Products

Helping Hand Loan

When an unexpected expense or an emergency arises and you don’t have the savings or funds to cover it, this low, fixed-rate loan comes with no waiting period for funding.

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Emergency Loan

This one-time payment loan is available once in a twelve month period for limited qualifying situations.

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Share Certificate Loan

Borrow up to 90% of the value of your Share Savings or Term Share Certificate of Deposit (CD) accounts for a loan repayment term of 36 months or longer.

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Lending Notice

New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process.

No loan applications will be considered until membership applications have been completed and all information including identification verified.

Terms up to 60 months.

*The payment on a $500 loan would be $43.49 per month by using the $20.03 per $1000 at a fixed interest rate of 7.99% APR with a 12 month term. This equates to a total payment of $521.83 over the life of the loan. The payment on a $2,000 loan would be $183.31 per month by using the $20.03 per $1000 at a fixed interest rate of 18.00% APR with a 12 month term. This equates to a total payment of $2,199.66 over the life of the loan. Membership is required with a $5 minimum deposit.

**APR = Annual Percentage Rate. Rates range from as low as 9.99% APR up to 18.00% maximum APR. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the loan is active. Refinancing of existing credit union loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $5 minimum deposit. Some restrictions may apply. Rates and terms are subject to change.

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