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products & services > personal & stock loans

Personal & Stock Loans

We’ve all had those days.

The roof’s leaking. Your car won’t start. Your child has grown out of yet another pair of shoes.

We understand. Whether it’s an emergency, or you need cash for another reason, you don’t just want a low-cost loan. You want outstanding service.

We deliver.

We offer some of the best rates you’ll find anywhere, and a variety of loans to suit most any need. We’ll work with you to identify your individual needs and find the loan that’s right for you. We offer:

Unsecured Personal Loans
Depending on your credit, you may qualify for a personal loan of up to two months of your gross pay.

Secured Personal Loans
Get an even lower rate by using some of your savings as collateral. You can borrow up to the amount you have on deposit.

For loans secured using a Savings Account:

  • The portion of your savings is used as collateral and is held and cannot be withdrawn.
  • Once the loan is paid in full, all the funds in your savings will once again be available to you.

For loans secured with a Certificate Account:

  • The APR will be 1% more than the Annual Percentage Yield (APY) on the certificate, unless otherwise specified in our current rate information. Members also have the option of using their Credit Card Rewards Points to get a lower rate.
  • The term for a Certificate Secured Loan must be equal to or shorter than the term of the Certificate.

Stock Loans
Use tomorrow’s investment to get cash today. If you own stock, you could use it for collateral to secure a low-cost loan from your credit union. Any security traded on the NYSE will qualify. NASDAQ stock may also be considered on a case-by-case basis.

For Baxter Healthcare (BAX) stock, we will lend 70% of the previous day’s market value at the time the loan is booked. The loan amount for all other stock is a percentage based on the stock’s activity and average market value.

Terms range from 6 months for a Single-Pay Stock loan to 60 months for a more Traditional Stock loan, and 120-month balloon payments will also be considered for larger amounts.

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