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Smarter Members. Local Values. Community Focused.

Personal Loan Rates

Rates Effective Febraury 23, 2023

Personal Loan Rates
Type Term APR as low as
Personal Loans1 1-60 months 9.99%
Personal Line of Credit2 Based on outstanding balance 9.99%
Share Secured Loan3 1-72 months 3.00% above Share Rate
Overdraft Protection Line of Credit4 Based on outstanding balance 17.00%

¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term. Payment example based on a $2,500 loan: $77.18 at 6.99% APR with a 36-month term; $119.71 at 6.99% APR. with a 48-month term; $148.47 at 6.99% APR with a 60-month term. APR = Annual Percentage Rate.

2 Actual rate will vary depending on applicant’s credit ratings. Payment based on amount outstanding balance: $1,000 or less = 12 months; $1,000.01 - $2,000 = 24 months; $2,000.01 - $4,000 = 36 months, $4,000.01 - $7,000 = 48 months; $7,000.01+ = 60 months. Finance charges accrue from the transaction date. Late payment fee is 5% of the payment amount or $5.00, whichever is greater. Return payment fee is $5.

3 Payment example based on a $10,000 loan: $176.38 at 3.99% APR with a 63-month term; $152.19 at 4.24% APR with a 75-month term; $142.67 at 5.24% APR with a 84-month term.APR = Annual Percentage Rate.

4 The first payment date will be the last day of the month following the first of the month distribution. 

Membership Eligibilty Required