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Personal Banking

Fast Cash – When You Need Cash Now

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 application fee.

Loan Details:*

  • There’s no application, it’s just a quick phone call, and the money is in your account. It takes about 15 minutes.
  • No credit check
  • $1,000 loan amount (does not vary)
  • 12-month term (does not vary)
  • Fixed rate of 8.99%APR*
  • $40 finance charge (can be subtracted from loan proceeds)


  • Must be a member for at least 90 days
  • Direct Deposit not required.
  • However, $1,000 in deposits every 30 days for the past 60 days required
  • Only one Fast Cash (or “Holiday Dough”) loan open at a time
  • Up to Three Fast Cash loans per calendar year. (This includes “Holiday Dough” offered in Nov/Dec annually)
  • Only Primary accountholder eligible

Looking to borrow more than $1,000? Don’t qualify based on length of membership? No problem. Ask about our Personal Loans.

The Fine Print

*APR = Annual Percentage Rate.
A $40 finance charge is required. 8.99%APR + $40 finance charge = 16.75%APR total. Monthly payment example = $89.
Payment is based on first due date in 30 days.

If we have been unable to approve you for a Personal Loan in the past 90 days, you are NOT eligible.

Additional details can be found here regarding current APRs and payment examples.