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Personal Loan & Line of Credit

Personal Loans

As low as 5.99% APR1
Why choose a personal loan from the Credit Union?

Get the funds you need with simple financing terms that fit your budget.

Debt Consolidation  icon

Debt Consolidation

Consolidate debt from higher-rate loans and credit cards.

Home Improvement  icon

Home Improvement

Finance your next kitchen remodeling project, or add on an extra bedroom.

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Life's Big Events

From tuition, a wedding, to moving day. Be ready for life's biggest moments.

Auto Repair  icon

Auto Repair

Fund tires to transportation and get back on the road.

Medical Expenses  icon

Medical Expenses

Access funds when life's unplanned emergencies arise.

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Your next destination is calling, make memories that will last a lifetime.

Choose the loan type that works best for you.

Personal Loan

Consolidate high-interest debt or pay for unplanned expenses. Get quick access to funds—as soon as the next business day—and enjoy low, fixed monthly payments with terms up to 60 months.

Line of Credit

Easily manage changes in your monthly cash flow. Advance funds to your checking account as needed. Get a low, variable APR and only pay interest on the money you borrow.

Discover the benefits:

No Fees

No pre-payment penalty or loan fees.

Rewards Rates

An additional 0.50% APR reduction2—with Rewards Rates.

Quick Approval

Quick approval process and access to funds the next business day.

Loan Calculator Calculate your estimated monthly payments in a few simple steps. Calculate Now
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Looking to build your credit? The Credit Builder Loan is the perfect start on your journey towards financial freedom by helping you to establish or restore a positive credit history while building savings for the future. Learn More

Frequently Asked Questions

Is there a difference between a Personal Loan and a Personal Line of Credit?

Yes, a Personal Loan is a great way to consolidate debt from higher-rate loans and credit cards. They can also pay for unplanned expenses or finance a large purchase—like new home appliances. The key perk to having a personal loan is low, fixed monthly payments, with terms up to 60 months.

A Personal Line of Credit provides the flexibility to advance funds to your checking account as needed. You’ll enjoy a low, variable APR and only pay interest on the money you borrow.

Are there any fees associated with an unsecured loan?

If you choose to have loan proceeds deposited directly to an account, there are no fees. However, if you choose to have loan proceeds sent to you by physical check, a $10 UPS fee will apply. If you are borrowing funds to pay a creditor and would like the Credit Union to pay that creditor directly, a $10 UPS fee will also apply.

Do you offer any discounts on interest rates?

Yes, the Credit Union offers loan discounts to help you get the best rate possible. Keep in mind our standard rates include a 1.00% discount for automatic payments. You’ll receive an additional 1.00% rate discount for loan terms up to 36 months. Plus, you can save an extra .50% off your loan rate when you qualify for the Rewards Rates discount.

What are Rewards Rates?

Rewards Rates allow you to earn more on your deposits and/or save more on your loans. To qualify for a Rewards Rate, you must meet two of the following criteria:

  • Direct Deposit of at least $500 per month into a checking account at the Credit Union
  • At least $25,000 on deposit
  • At least one qualifying loan in good standing from the following list of loan types: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.

How do I apply for a loan?

For your convenience, the Credit Union provides a variety of ways to apply for financing. You can apply online or give us a call at 888-389-8344 to apply by phone. Once your loan application is completed, one of our loan representatives will contact you either by email or phone within one business day to review the status of your application.

What are your loan terms?

The Credit Union offers a wide range of loan repayment options. Once you apply, you will be assigned a loan representative who will work with you to find the repayment options best suited to your individual needs.

What are your rates?

The Credit Union rates are determined by a number of variables, including—but not limited—to credit score, loan type, etc. All lending decisions, including rates, are made in compliance with the Fair Housing Act (FHA) and Equal Credit Opportunities Act (ECOA).

For the latest rates, please visit our Rates page.

How do I know how much I would be pre-approved/qualified for?

Since all pre-approvals are based on a number of variables, a loan application must be submitted for underwriter review to determine the financing amount you qualify for.

Can a pre-approval amount be increased?

You are allowed to request an increase to a pre-approval amount. However, since a pre-approval is based on your qualifying characteristics as a borrower, it’s best to discuss this scenario with a loan representative first.

Could my pre-approval change?

In the event that any of the variables used to determine your pre-approval status change, the terms of your pre-approval may change as well. Please discuss any changes to the information used in your loan application with your loan representative right away to ensure the loan closing can proceed without delay.

How long is a pre-approval good for?

Once a pre-approval is determined, it is valid for 90 days, unless cancelled at the member’s request.

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