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Personal Loans

Personal loans that give you options

When you need a little more cash than you have, apply for a personal loan.

Payment protection is also available, just in case.

 

Apply for a Loan

  • Personal Loan

     

    Find flexible installment loans that fit most situations.

     

    Personal loan rates
    CONSUMER LOANS Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Smart Personal Loan: Maximum: $20,000 60 Mo. Lowest - Highest
    10.50% - 17.75%
    Lowest - Highest
    $21.49 - $25.26

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

  • Ready Cash Line of Credit

     

    Secure overdraft protection when using your Visa Check Card or writing a personal check. Available for cash advances, too.

    • No account transfer fees.
    • Low monthly payment.
    • Ability to advance your line of credit through an ATM, DataNet online banking, DataVoice, the Contact Center, or by visiting any branch location.

     

    Ready cash line of credit rates
    CONSUMER LOANS Maximum Repayment Non-Variable Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Ready Cash Line of Credit/ Overdraft Protection N/A Lowest - Highest
    13.50% - 18.00%1
    $302

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    ¹Rates and terms will vary based on the credit worthiness of individual applicants.
    ²Your monthly payment will be 3% of the credit limit with a minimum of $25.

    There is no grace period and interest will begin to accrue on the date of the transaction or advance.

  • Share Secured Loan

     

    Borrow funds using your savings account or share certificate as collateral—all while paying yourself back with the lowest possible charges. You’ll still earn dividends over the life of the loan, too.

     

    Share/Savings secured loan rates
    TYPE OF LOAN Maximum Loan Amount Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Share Certificate Up to 95% of share certificate Not to exceed maturity date of certificate 5% $29.971
    Savings Secured Up to 95% of the available shares 144 Mo. 5% $9.252

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

    ¹Payment per $1000 is based on a 36 month term with an APR of 5.00%.
    ²Payment per $1000 based on a 144 month term with an APR of 5.00%.

  • Life Happens MicroLoan

     

    MicroLoans provide a quick and easy way to help you pay for minor life events. 

     

    microloan rates
    Maximum Loan Amount Maximum Repayment Term Fixed Rate Annual Percentage Rate Estimated Payment per $1,000 Borrowed
    $1,000 6 Mo. 24% $178.53

    Rates Effective As Of 02/18/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.

    Minimum loan amount: $200
    Minimum loan repayment term: One (1) month
    Membership must be open 30 days prior to application.
    Maximum of three (3) MicroLoans in a rolling six (6) month period, with one (1) MicroLoan at a time.