Personal Loan disclosures, rates and fees
Check Personal Loan rates in the table below or click a button to apply.
|Apply online | Personal Loan||Apply online | Personal Line of Credit||Apply in a branch | Payday Advance||Apply in a branch | Savings-secured loan|
|Loan type||APR (Low)*||APR (High)||Repayment terms|
Apply online: Personal loan or Personal Line of Credit || Choose a branch to apply for a loan || Call 800-732-0173
|Personal Loan||11.99%||19.24%||12-36 months|
|Personal Loan||16.24%||19.24%||37-60 months|
|Payday Advance||18.00%||18.00%||Up to 30 Days|
|Personal Line of Credit (PLOC)**||11.50%||20.25%||$25 or 2.50% of the total balance, whichever is greater.|
About these Personal Loan rates
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
** Personal line of credit is not eligible for the Member Merits or automatic payment decrease in APR. The Periodic Rate and corresponding Annual Percentage Rate for the Personal Line of Credit loan is calculated by adding a graduated margin (the margin is based on a risk based pricing tier) to the month end Prime Rate for the previous calendar month as published by the Federal Reserve. The Annual Percentage Rate will never be more than 18% or the maximum rate allowed by applicable law.
The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments:
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