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Loans

Personal Loans and Lines of Credit

Use the funds for anything you need

Personal Loans and Lines of Credit are perfect any time you need money to pay off other bills, pay medical expenses, or just want funds available for an emergency. Get cash in one business day—it’s quick and easy to apply!

A Personal Line of Credit lets you set up the loan once, then transfer the money to your checking account only when you need it. Both loans are available up to $50,000, and the funds can be used for any purpose.

To set an appointment with a member of our team, click here: Set Appointment

Features

Personal Loan Education

personal loansA Stanford FCU personal loan can help provide additional cash when you need it most. Check out these online learning modules and tools for financial basics.

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  • Personal Loans have terms up to 60 months
  • Personal Lines of Credit provide a revolving line of credit that you can borrow and repay as needed
  • Low monthly payments
  • Limits up to $50,000
  • No balance transfer fees (pay off other bills to enjoy one low monthly payment)

Rates

Fixed Rates
as low as		 Variable Rates
as low as
Account Type Maximum Term Annual Percentage Rate Annual Percentage Rate
Line of Credit Revolving N/A 10.24%*
Unsecured 60 Months 9.24%** N/A
Share Secured See Notes For Rate & Term Information
Certificate Secured See Notes For Rate & Term Information

Rates and terms subject to change without notice. Rate is based on credit worthiness, and may be higher than the rate shown.

*The Personal Line of Credit rate is variable, based on the Prime Rate as published in The Wall Street Journal Money Rates Table (the “Index”) plus a margin. This product does not qualify for Membership Rewards discounts. The minimum monthly payment is the greater of $25.00 or 2.5% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.

**The Personal Loan rate is a fixed rate, and includes an Ambassador Membership Rewards Level bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates. Payment Example: A 36-month Personal Loan at 9.24% APR would result in monthly payments of $31.91 for each $1,000 borrowed.

 

See Rates

Fees

No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the personal or debt consolidation loan that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Application Fee NONE
Early Payoff Fee NONE
Late Fee More than 10 days late, a late charge
will be assessed equal to 20% of the
interest due, but no less than $1.00.

See Fee Schedule

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Disclosures

All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.
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