Personal Loans

¹APR = Annual Percentage Rate. APR based on dividend rate of account being pledged, rounded to the nearest 0.25%. Terms up to 36 months. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Membership must be 90 days or older to qualify. Some restrictions may apply. Ask for details. Payment example for Regular Share Account: 36 monthly payments of $86.26 per $3,000.00 borrowed.
²Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
³Credit Score available for primary account holder only. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier.
⁴APR = Annual Percentage Rate. APR based on dividend rate of account being pledged, rounded to the nearest 0.25%. Minimum payment $25.00 per month. Rates subject to change. Rate can change after consummation. Rates based on creditworthiness. Some restrictions may apply. Ask for details.
⁵APR = Annual Percentage Rate. Some restrictions may apply. Rates based on creditworthiness. Ask for details.
⁶APR = Annual Percentage Rate. Direct deposit(s) cannot be combined. Term up to 31 days from the date of disbursal, determined by direct deposit date of upcoming payroll. Upfront loan fees start at $7.50 for the first $100.00, with an additional $1.50 for every hundred dollars after, or $0.75 for every fifty-dollar increment. Fee example: A $200.00 loan incurs a $9.00 fee. Repayment due date is based on the Member's next direct deposit date and cannot exceed 31-days from the date of disbursal. If loan is not paid in full by the due date, the APR will increase to 18.00%. Member must be 18-years or older. Representative Payees cannot request a Salary Advance Loan using the Beneficiary’s social security benefits. Members may make a request for subsequent Salary Advance Loan only if the previous loan has been paid in full. Debt protection coverage is not available on Salary Advance Loans.
⁷Payment Protection with Life Plus Service is available through third-party partner CUNA. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries, and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER'S CHOICE credit life and credit disability insurance underwritten by CMFG Life Insurance Company.
⁸Skip-a-Payment Disclaimer - Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.