Personal Loans

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

  • Rates as low as 5.99% APR* up to 48 months

  • Repayment terms up to 60 months

  • Limits up to $50,000 for any purpose

  • Electronic document signing at your convenience

  • Easy access to funds deposited into your account

  • Affordable Payment Protection plans

Type

Loan Maximum

Term Up To

APR* As Low As

Sample Monthly Payment1

Personal Loan

$25,000

48 Months

5.99%

$182 for $6,000

Personal Loan

$25,000

60 Months

7.99%

$406 for $20,000

Personal Loan

$50,000

72 Months

9.99%

$927 for $50,000


Holiday Dough (Fast Cash Loan) – No Credit Check!

Need more dough for the holidays? Make the season even sweeter with our Holiday Dough Loan. 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 $1,000 or $2,0002

  • 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

  • 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 & Holiday Dough

$1,000

12 Months

16.75%

$89

Fast Cash & Holiday Dough

$2,000

12 Months

16.75%

$175


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. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications. To qualify for an additional 0.25% APR discount on a Personal Loan, member must apply online. Minimum loan amount $1,000, maximum loan amount up to $50,000.

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. Must have six months of payments before it can be refinanced. This includes Holiday Dough. Only the primary account holder may apply for Fast Cash.

38.99% interest rate + $40 finance charge = 16.75% APR total. Payment is based on first due date in 30 days.

See additional details regarding current APRs and payment examples.