Business Hours (by appointment or walk-in): Monday-Friday 10am-5pm.  
  ACH / ABA routing number: 036089053
  We have changed our online banking provider. Please see our FAQs.

Call Us: (215) 222-2604

Email us: support@upennsfcu.org

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Personal Loans

Personal Loans are loans without collateral, meaning they are not tied to personal property.

Unlike with a traditional secured loan, if a borrower defaults on a personal loan then the creditor will not seize an automobile, home or other personal property as payment. In a secured loan, a borrower would sign contracts tying the loan to an asset.

  • Duration: 3 months to 5 years
  • Amount: $500 to $15,000 (An eligible co-signer/co-maker is required for all loans greaterthan $10,000)
  • Defer payments for up to 6 months
  • Interest rates (APR) starting at 5.97%*
  • No prepayment penalty


    • *Interest rates as of 03/18/22. Interest rates are subject to change.


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Thank you!

Thank you for choosing to bank with the SFCU, the first and only student-run credit union in the Ivy League

Deposits are federally insured up to at least $250,000 per individual depositor by the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is backed by the full faith and credit of the United States Government.

Contact Us

Have an issue with your account? Contact us through this form Alternatively, you can email or call us.

Email :support@upennsfcu.org
Phone: (215) 222-2604

ACH / ABA routing number：036089053

Visit Us

Our office is located at
3401 Walnut Street
Suite 431A
Philadelphia, PA 19104

We are conveniently located near 34th and Walnut St. next to Van Pelt Library, Hill College House, and the Engineering School. Specifically, we are right next to the Starbucks on 34th and Walnut on the 4th floor of the Franklin Building A-Wing.

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The Student Federal Credit Union at the University of Pennsylvania is an independently operated financial institution, and not part of the University of Pennsylvania.

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