Personal Loan — Credit Human Federal Credit Union is a personal loan from Credit Human Federal Credit Union. The annual fee is no annual fee. The ongoing APR is 15.06% to 18.00% APR, fixed, varying by term (rates effective 04-06-2026); 0.20% autopay discount. Rewards: Earn 2% cash back on all purchases. Typical credit limit: Minimum by term: 1-12 months $500; 13-24 $2,000; 25-36 $3,000; 37-48 $4,000; 49-60 $5,000; 61-72 $10,000; maximum not stated. Loan terms: Fixed-rate installment loan, terms up to 72 months. QMoney: $200-$500, no credit check, 60-day repay (requires 30+ days membership). Credit Builder Loan at 5% APR. Autopay discount -0.20%.