Personal Loans

Use your Personal Loan to consolidate high-interest credit cards, make home improvements, or cover unexpected expenses.

  • Rates as low as 7.99% APR* up to 48 months

  • Electronic document signing at your convenience

  • Easy access to funds deposited into your account

  • Affordable Payment Protection plans

Type

Term Up To

APR* As Low As

Sample Monthly Payment1

Personal Loan

48 Months

7.99%

$171 for $7,000

Personal Loan

60 Months

8.99%

$519 for $25,000


Fast Cash – No Credit Check!

Sometimes life hands you unexpected expenses. When that happens, Fast Cash may be right for you. It's a short-term, personal loan that you can apply for over the phone, and receive in your checking account in minutes. There is no credit check, just a small finance charge.

  • Quick and easy $1,0002

  • It’s just a quick phone call, and the money may be placed in your account. It takes about 15 minutes.

  • No credit check

  • 12-month term

  • No payment for up to 45 days

  • Fixed interest rate of 8.99%3

  • $40 finance charge (subtracted from loan proceeds)

  • More information about Holiday Dough & Fast Cash loans

Type

Loan Maximum

Term Up To

APR* As Low As

Sample Monthly Payment1

Fast Cash

$1,000

12 Months

16.73%

$88


Personal Lines of Credit:

  • Borrow up to $25,000

  • Interest paid only on outstanding balance

  • Cash advances can be made through Online Banking, Access24, call us

  • Affordable Payment Protection plans


Starter Loans – Share & Certificate Secured Loans

  • Great for helping you build your credit

  • Your savings serve as collateral (we place a hold on the money) for the loan which enables us to keep your interest rate low!

  • Repayment terms are flexible and you continue to earn dividends on your Savings or Certificate account

  • As you pay down your loan balance, the corresponding amount is released for you to access


The Fine Print

*APR = Annual Percentage Rate. Rate subject to change without notice. Rates effective as of May 15, 2020. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications and apply online. Minimum loan amount $1,000.

1Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

2Qualifications: must be a member for at least 90 days. All accounts and loans must be current (not negative or delinquent) for the past six months. Direct deposit is not required. However, $1,000 in deposits every calendar month for the past two months is required. Only one Fast Cash loan per member and only one open at a time with two maximum per rolling 12 months. For existing members who already have a Fast Cash loan we will allow a second loan of this type due to the current economic conditions, we will not require the existing Fast Cash loan to be paid off at this time. This includes Holiday Dough. For members who don't have a current Fast Cash we will only allow one Fast Cash loan for a maximum balance of $1,000. Only the primary account holder may apply for Fast Cash.

38.99% interest rate + $40 finance charge = 16.73% APR total. Payment is based on first due date in 30 days. Monthly payment amount = $88. Not all members qualify for payment deferment. Interest will continue to accrue for the entire deferment period. Deferred payments may not exceed 45 days.  

See additional details regarding current APRs and payment examples.