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Personal Loans

Get quick, easy access to money you need for the things you want.

Whether you need money to improve your home, consolidate debt, purchase new appliances or take that dream family vacation, a personal loan from BTCU can help.

We offer:

  • Low rates
  • Flexible terms – up to 60 months
  • Easy online payment options
  • Fast approvals
  • Electronic document signing
  • Receive a .25% discount when you sign up for auto pay from a BTCU checking account.

Did you know? It’s our job to save you money. BTCU makes it easy to refinance your personal loan or unsecured debt. Contact a loan officer by calling 763.315.3888 Option 2 or apply online to see how much you can save TODAY!

Personal Line of Credit – We also offer personal lines of credit! With a revolving line of credit, you borrow up to your approved limit by advancing it only as you need the money. It’s quick and easy using our BTCU mobile app. Your line of credit can be set up as overdraft protection on your BTCU checking account.

Insure your loan payments! With Debt Protection, If you are totally disabled due to injury or illness or in the event of your unexpected death, or suffer from job loss, it may help cover your loan payment or payoff your loan.

Personal Loan Rates

Personal Loan

Rates as low as 11.59% APR 1

1 Annual Percentage Rate “APR” is fixed for the term of the loan. Actual rate is based on applicant’s credit history and term of loan. Disclosed rate includes a .25% discount for auto pay from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.

Apply Now!

It’s easy to apply for your BTCU loan.
Click below to apply online.

Learn More »

Loan Calculator




  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.