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


  • 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)


Fixed Rates
as low as
Variable Rates
as low as
Account Type Maximum Term Annual Percentage Rate Daily Periodic Rate Annual Percentage Rate Daily Periodic Rate
Line of Credit Revolving N/A N/A 8.99%* .024630%
Unsecured 60 Months 7.99%* .024630% N/A N/A
Share Secured See Notes For Rate & Term Information
Certificate Secured See Notes For Rate & Term Information

*The rate on this product is determined by your credit profile, amount of credit, payment method, loan term, and collateral as applicable. Consumer Loan Rate is subject to an Ambassador Membership Rewards Level. Current Auto Loan Rate reflects an Ambassador Membership Rewards Level bonus rate discount of 1.00% Annual Percentage Rate (APR) (0.00274 daily periodic rate). You agree to the above terms and conditions of this program. Should you decide not to continue to maintain the service which qualifies you for a special loan rate or if you are in default on any loan you have with us, we may, at our option, change the rate charged on all loans pursuant to the loan agreement to the greater of the non-reduced rate in effect when the loan was made or the non-reduced rate in effect on the date the qualifier service was terminated. When the rate increases in this fashion, it has the effect of increasing the number of payments required to pay the balance in full, your actual rate may vary.


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


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