The Resource One Credit Union is a personal loan from Resource One Credit Union. The ongoing APR is 12-month Getting Started: 12.24% APR (or 0.00 APR with an application fee); 24-month Road to Citizenship: 12.74% APR (or 0.00 APR with an application fee); rates as of October 17, 2026. Loan terms: 12 months or 24 months.