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Loans and credit for unexpected expenses

Looking for a loan without collateral (like a car, a boat or a home)? A personal loan (also known as an unsecured or signature loan) is probably the solution for you. We offer personal loans with a variety of terms and loan amounts, depending on the purpose of the loan. We also offer share-secured loans for those looking to borrow against their own money, or for those looking to build credit, but don't have or don't want to tie a vehicle or house to the loan.

Unsecured Loans
Effective Date: Friday, June 18th, 2021
TermAPR*Smart Money Rewards**Payment/$1000
Tuition Assistance Loan
12 Months 6.75% 6.50% Balloon Payment
Overdraft Protection Line of Credit****
Line of Credit 15.00% 14.75% Variable
Fuel Assistance Loan
12 Months 6.50% 6.50% $86.52
Personal Loan + Co-Application/Guarantor Loan
12 Months 6.24% 5.99% $86.17
24 Months 7.24% 6.99% $45.83
36 Months 8.24% 7.99% $31.39
48 Months 9.24% 8.99% $24.93
60 Months 10.24% 9.99% $21.29

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Personal Loans

*Rate disclosed is based on a highly qualified credit candidate. Rates may vary based on individual creditworthiness. Rates are valid as of August 1st, 2020 and are subject to change without notice.

**The Smart Money Rewards rate on loans reflects a 0.25% discount on published loan rates and requires Smart Money Rewards membership with the automatic payment method of repayment. If you discontinue Smart Money Rewards during the term of the loan, your discounted rate will no longer be valid and it will revert back to the prevailing rate at the time of the loan open date. To qualify for Smart Money Rewards, we must receive your net pay, pension, or Social Security via direct deposit in excess of $100. If at any time your Checking Account is closed or becomes inactive (zero transaction[s] within the past 90 days or direct deposit is cancelled), the rate will be increased by 0.25%. Direct deposit must be set up within 90 days of loan closing date. One or more direct deposits must post and clear to the checking account within each monthly statement cycle.

**** The fees for the payment of each overdraft: If multiple items are presented against your account on the same day, each item will be assessed a Non-Sufficient Funds/Overdraft (NSF/OD) Fee.

Transactions for which a fee for paying an overdraft may be imposed include insufficient balances may result from, but are not limited to, check payments and ACH debits, including Bill Pay Transactions or other electronic means.

The time period by which the member must repay or cover any Non-Sufficient Funds/Overdraft (NSF/OD): Funds must be deposited to cover the NSF/OD and the account must remain positive for at least one day-end cycle, within 30 days of the account entering a negative status. If additional NSF/OD items occur during those 30 days that the account has continued to be negative, the account must be brought positive on or before the 30th day from the date of the initial NSF/OD, and remain positive for at least one day-end cycle. Any deposits received by the credit union during the 30 days will be applied first to the overdrawn account. If an account is not brought to a positive balance and allowed to remain positive for at least one day-end cycle within 30 days, the privilege will be suspended.

Conditions which the credit union will not pay an NSF/OD: May limit the amount of NSF/OD per account, reserve the right to not approve any NSF/OD against the account until we can verify that the account is being maintained in good standing.

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