Personal Loan/Line of Credit

Customized loans perfect for your circumstances.

Whatever your needs (vacation, home improvements, or unexpected expenses), a Personal Loan or Line of Credit is an affordable option. Our low-rate Personal Loans and Lines of Credit help you focus on what matters.

What’s the difference?

A Personal Loan is for a specific amount, which is disbursed to you at one time in a lump sum. In contrast, a Line of Credit is an open-ended loan that gives you access to a maximum amount of funds you can borrow against as you need money.

Benefits of a Personal Loan

No loan origination fees
Funds can be used for any expense
Reduce debts to one monthly payment through debt consolidation
Up to 72 months fixed repayment terms for predictable budgeting

Benefits of a Line of Credit

No cash advance fees
On-demand access to cash online, by phone, or in person
Alternative to high-interest loans
Payments that can decrease as you pay down your balance

See how much you can afford to borrow by estimating your monthly payment

Personal Loan/Line of Credit Rates

Rates effective as of 6/2/2025

Type	Daily Periodic Rate	APR* as low as	Maximum Loan Amount**
Personal Loan	0.02737%	9.99%	$100,000
Personal Line of Credit	0.02737%	9.99%	$100,000

*APR= Annual Percentage Rate. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.

**Lower amounts apply based on credit risk.

Payment Example: A $50,000.00 loan at 9.99% APR would require monthly payments of $18.53 per thousand borrowed for 72 months. Total interest paid is $16,672.96, total amount paid is $66,672.96.

Apply for a Loan Today

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By phone – call (800) 766-4328