Union Plus
Personal Loan

Get a personal loan to pay off your debts

Take control of your financial future! A personal loan gives you fast and convenient access to the money you need now.

Apply online

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How can a personal loan help you?

The Union Plus Personal Loan has low fixed interest ratesand can help prepare you for a better future. Put a personal loan to work for you: consolidate your high-interest credit cards and debt to help you get on track with your finances. Plus, it could help save you money over time.


The freedom and flexibility you deserve

Financial freedom

Consolidate payments into one monthly bill with low fixed rates1, no application, processing or pre-payment fees.

Flexible terms

Apply for a loan amount up to $30,000 and request terms of your loan from 36 to 72 months.2

Peace of mind

If you change your mind within the first 45 days, return the entire loan amount. No fees, penalties or interest will be charged.


Your questions, answered.

Need help?

We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or  online.

Look what people are saying

Union Plus provides great opportunities and huge discounts! Who doesn't love discounts?

Ashley M. Union Member

What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

Meesha T. AFT Member

Ready to apply?

To get started on the personal loan process, fill out the application online. A loan specialist will call you to confirm.

Apply online

Important Information 

*Please read "Key Information on Your Loan." 

1Your fixed APR will be established when we discuss your specific request with you and will be in the range of 10.99% fixed APR to 18.99% fixed APR, depending on your creditworthiness. Please note that all applicants may not qualify for the lowest rate. The lowest rate may not be available for the term chosen. You may receive a 0.25% interest rate discount by enrolling in AutoPay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in AutoPay, a rate as low as 10.74% fixed APR may be available, depending on your creditworthiness. See the Key Information on Your Loan  for more details.

2Your repayment terms will depend on your APR and loan term for which you qualify. Example: On a 15.99% Fixed APR loan you will have (1) 36 monthly payments of $35.15 per $1,000 borrowed; or (2) 48 monthly payments of $28.34 per $1,000 borrowed; or (3) 60 monthly payments of $24.31 per $1,000 borrowed; or (4) 72 monthly payments of $21.69 per $1,000 borrowed. Your APR will be in the range of 10.74% Fixed APR (if you are enrolled in AutoPay) to 18.99% Fixed APR, depending on your creditworthiness. See Key Information on Your Loan for more details.

3FICO and “The score lenders use” are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Please note, new personal loan holders will generally see their FICO® Bankcard Score 9 (the version of FICO® Score we use to manage their account) within 45 days of account opening.

Loans cannot be used for postsecondary educational expenses or tuition, or to consolidate post-secondary educational loans. Other restrictions may apply.

By agreeing to these terms, you are also authorizing FNBO to verify your employment, income and other relevant information.

Loans are made and serviced by First National Bank of Omaha (FNBO®). 

© 2023 First National Bank of Omaha. 1620 Dodge St., Omaha NE 68197