Personal Loan

Get the cash you need for life’s expenses. Rates as low as 12.99%.

Personal loans can play a major role in financing everything life has in store. At Greater Texas Credit Union, we offer unsecured loans (loans without collateral) at great rates to our great members. We can help you consolidate debt, pay for home repair or improvements, finance the vacation of your dreams, and more. Personal loan benefits may include:
  • No collateral required to qualify
  • Fixed rates, fixed terms, and fixed monthly payments
  • No origination fees
  • No prepayment fees
  • Competitive Annual Percentage Rate (APR) for the life of the loan

Personal Loans can be used for a variety of situations including:

  • Debt consolidation
  • Unexpected Household Expenses
  • Vacation
  • Weddings
  • Auto Repairs
  • Medical Expenses
  • Moving
  • Taxes
  • And more!


Personal Loan Interest Rates

Best For Borrowers who want flexibility when it comes to spending
Amount Up to $10,000
Interest Rate As low as 12.99 % APR*
Terms From 1 to 60 months
Fees None
Type Unsecured Loan, Fixed Rate

Apply Now





How To Use a Personal Loan

Personal loans can be used for a variety of situations, including:


Home Improvements

Build equity in your home or simply spruce up your space.

Debt Consolidation

Pay off your outstanding debts in one, convenient payment, often at a more affordable rate.

Vacations and Weddings

A personal loan can help you plan for that special celebration or life event

Unexpected Household Expenses

Pay for things that aren’t in the budget: auto repairs, medical expenses, and taxes




What to Expect When You Apply

Why Finance With Greater Texas Credit Union

When you join a credit union, you’re joining a not-for-profit member-owned financial institution.

Greater Texas Credit Union is a cooperative, and our members all have something in common. Whether it’s where they work, go to school, or worship, or the professional association to which they belong - they all have an equal say, no matter how much they have in shares.

Signature Loans

A Signature Loan is a type of personal loan, the major distinction being that it does not require collateral backing. Competitive rates make these special, unsecured loans perfect for qualified members planning a vacation getaway, special event or big purchase. The maximum amount you can borrow on a Signature Loan is $10,000 and the loan can be used for any reason.

Helping Hand Loan

An unexpected expense or an emergency arises and you don’t have the savings or funds to cover it. What do you do? Let Greater Texas and Aggieland Credit Union lend you a Helping Hand. Our Helping Hand Loan is there when you need it most. Previously known as our Merry Money Loan, the Helping Hand Loan is offered year-round and offers rates as low as 12.99%.

Benefits of the Helping Hand Loan:
  • A loan for unexpected expenses
  • Low, fixed rate
  • 10 month repayment
  • Minimum loan amount of $700
  • Maximum loan amount of $2,500
  • No waiting period for funding
  • Members may receive one Helping Hand Loan in a rolling 12 month period

Apply for a Helping Hands Loan

Emergency Loan

Emergency loans are limited to certain situations such as a death in the immediate family, unforeseen auto repairs, medical expenses that affect your livelihood, or catastrophic disasters. An emergency loan is a one-time payment loan and is approved only once in a twelve month period.

For more information on these various loans please contact our Loan Department (800) 749-9732.





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.


Frequently Asked Questions

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 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 12.99%* 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.
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.
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.

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.





















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