Personal Loan Rates

Personal Loans
Loan Type	Annual Percentage Rate (APR)*
*APR = Annual Percentage Rate. Current APR as of 1/27/2025. Rate based on creditworthiness and term of the loan. Rates are subject to change at any time and are not guaranteed. ^Credit Builder Loan rate is the share certificate rate plus 6%. Loan amounts between $500 to $1,000. The proceeds of the loan will be the funds used to create the share certificate. Member account must be in good standing for the last 90 days in order to qualify for the loan. “Good standing” is defined as no returned items and proper use of overdraft facilities. the term of the loan must range from 6 to 12 months. Auto-pay required.
Loan Type Flex Line of Credit	Annual Percentage Rate (APR)* $500 and up – as low as 17.95%
Loan Type Fixed Term Signature Loan	Annual Percentage Rate (APR)* $500 and up – as low as 11.49% APR*
Loan Type Credit Builder Loan	Annual Percentage Rate (APR)* $500 – $1,000 as low as 6.25%^{^}

Secured Loans
Loan Type	Annual Percentage Rate (APR)*
*APR = Annual Percentage Rate. Current APR as of 1/27/2025. Rate based on creditworthiness and term of the loan. Rates are subject to change at any time and are not guaranteed.
Loan Type Share Secured	Annual Percentage Rate (APR)* 3% above Share Rate
Loan Type Certificate Shared	Annual Percentage Rate (APR)* 2% above certificate rate. No discount on Share/Certificate secured rate.