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1st Financial is now Alltru Credit Union. Welcome! Please be sure to update your mobile banking app to the latest version today.

Get the right loan to put your dreams within reach.

Your dreams are your own – and we’re here with the loan you may need to put them within reach. Whether you’re getting a head start on building your credit, buying or fixing up a home or looking for a new set of wheels, Alltru Credit Union can get you there.

Woman drinking coffee

Every Alltru loan includes:

  • Easy application and fast approval process
  • Low rates
  • Friendly, knowledgeable support
  • Freedom from hidden fees
Alltru Auto Loans
Type Term As low as APR*
Auto Loan1

The open road is waiting for you.

Learn more

Up to 36 months

2.74%

From 37 to 48 months

3.34%

From 49 to 60 months

3.49%

From 61 to 72 months

3.99%

From 73 to 84 months

5.24%
Alltru Home Loans
Type Loan amount Term As low as APR*

Home Equity Loan2

Put your house plans into action.

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$10,000+

8 years (up to 90% max CLTV)

3.99%
$10,000+

15 years (up to 90% CLTV)

4.50%
Home Equity Line of Credit (HELOC)3

Prepare for the unexpected.

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$10,000+

Up to 300 months

4.00%
Home Improvement Loan4

No Equity? No problem.

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$2,500 to $10,000

Up to 180 months

6.24%
$10,000 to $25,000

Up to 180 months

7.24%
Alltru Consumer Loans
Type Maximum amount Term As low as APR*
Personal Loan5

Support when you need it most.

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$20,000

Up to 24 months

9.24%

Credit Builder Loan

What ever life may bring, we’re here to help.

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$1,000

Up to 12 months

12.00%

Line of Credit

Funds tied to your checking or savings account.

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$20,000
12.24%
Shared Secured

Secured with your savings

Up to 24 months

6.00%
CD Secured

Secured with a CD

Up to 24 months

2.00% above CD rate
Alltru RV / Boat / Motorcycle Loans
Type Loan amount Term As low as APR*
Boat / Jet Ski / RV / ATV Loan6

Water or land, we’ve got you covered.

Learn more
< $20,000

Up to 60 months

6.34%
$20,000+

61 to 72 months

6.34%
$25,000+

73 to 84 months

6.49%

85 to 96 months

6.49%

97 to 120 months

6.74%

121 to 144 months

7.24%
Motorcycle Loan

The open road is calling.

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< $25,000

12 to 36 months

5.74%
< $25,000

37 to 72 months

5.94%
$25,000+

73 to 84 months

6.99%

Need a loan for your business? We’ve got you covered there, too.

Looking help paying your loan?

Let’s Talk

We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.