What Should I Consider
Unlike a home or vehicle loan which requires the asset as collateral, some lifestyle loans are extended based on your credit history and score, income levels, and debt ratio. Other options are tied to the funds in your savings account. Choose from a number
of options to fit your needs.
Apply for a specific sum of money and have up to 60 months to repay. You can repay back in full at any time plus you have the comfort of knowing your monthly payment.
Personal Line of Credit with Overdraft Protection Option
Continually access funds up to your credit limit, without ever re-applying. This product also offers the benefit of overdraft protection on your checking account. You never have to worry about the hassles of overdrawn funds in your checking account again.
To use your funds, simply write a check or transfer funds to your checking account.
Share or Certificate Loan
Use your savings account or savings certificate to secure a loan and borrow up to 100% of the value in those accounts. This helps to qualify you for a lower loan rate while your savings account continues to earn dividends.
Credit Enhancer Loan
Need to establish or enhance your credit score? Apply for $500 to $3,500 for up to 36 months at competitive rates. Just like our Shared Certificate Loans, funds will be secured by the funds in your savings account.
PayDay Express Loan
If you need a little help in between paychecks, contact us to learn about a solution to help you handle some of life’s unexpected situations. The process is quick and you can receive the cash the same day if you qualify.
- 6-month term
- No credit check required
- $20.00 non-refundable fee, per application
*You will be required to present copies of three (3) consecutive pay-stubs at the time of application. A minimum of 2 years employment history and must be employed with your current employer for a minimum of 1 year, prior to the loan application. Membership with credit union is a minimum of 1 year.