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Credit Union Better Choice

... the smart alternative to payday loans

The Credit Union Better Choice is a short-term loan offered through paricipating credit unions that offers:

  • 90-Day Repayment Term
  • Flexible Monthly, Bi-weekly, or Weekly Payments
  • $20 Application Fee
  • $200 Minimum Loan
  • $500 Maximum Loan
  • 18% Annual Percentage Rate (APR)
  • A Built-In Savings Benefit
  • Optional Financial Counseling

Please Note:  Must qualify. Borrowers must meet credit union membership requirements and be over age 18.

Contact your partcipating credit union for an application, specific terms and loan amounts.  If your credit union does not participate in the CU Better Choice program, talk to a lending representative at your credit union to see if they can meet your financial needs.

View the Brochure

Not a credit union member?   Check out the iBelong site to find a PA credit union to join.


The Credit Union Better Choice program is sponsored by the Pennsylvania Credit Union Association in partnership with the Pennsylvania Treasury Department and the Pennsylvania Department of Banking.

For questions, e-mail


Credit Unions click here for CU Better Choice information for Credit Unions

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