Enjoy your purchase knowing you made a smart loan or credit card decision.

It's time to make that big purchase which means figuring out the best way to pay for it... personal loan or credit card? Check out our personal loan, line of credit loan, and credit card options below and decide which is the best option for you. To calculate your monthly payments, use our online Consumer Loan Calculator.

Achieve your New Year's Resolutions and beyond with our Visa Balance Transfer and Signature Loan Promotions!

Check everything off your "To-Do" list with one of our low rate signature loans and for a limited time, you will get 0.25% off1 your loan. Or, maybe you want to consolidate all your high rate credit card balances onto a Signature FCU Visa card. Now, you will not only get a great rate, but you will also earn rewards points or rebate2 on those tranferred balances! 

1Discount ends March 31, 2017. Discount will be taken off the Signature Loan rate you are approved for.
2 Balance transfer promotion ends March 31, 2017. Card type determines points or rebate. 

Apply Now             Set up Balance Transfer

Contact Us Directly

For more information about a specific loan or to get help applying for a loan, please call our Lending Department at (800) 336.0284.

Personal Loans
Loan Type Amount Limit Repayment Term APR as low as* Estimated Payment2
Signature Loan Up to $25,000 24 months 6.25% $44.44 per $1,000 financed
Signature Loan Up to $25,000 36 months 6.50% $30.65 per $1,000 financed
Signature Loan Up to $25,000 48 months 6.75% $23.83 per $1,000 financed
Signature Loan Up to $25,000 60 months 7.00% $19.80 per $1,000 financed
Signature Loan Up to $25,000 72 months 7.50% $17.29 per $1,000 financed
Signature Loan Up to $25,000 84 months 8.00% $15.59 per $1,000 financed
Share Secured Loan   Up to 144 months Securing Share rate +3% 1See below
Pay Day Loan $1,000 Ask for details 28.00%  
Lines of Credit
Loan Type Amount Limit Repayment Term APR as low as*
Express Money Loan Up to $25,000 Open-end Line of Credit 9.90%
Credit Card Rates
Credit Card Type Amount Limit APR as low as* Annual Fee
Visa® Classic $10,000 11.90% None
Visa Gold $15,000 10.90% None
Visa Platinum $25,000 8.90% None
Visa Signature No pre-set spending limit 8.70% None
Student Visa $10,000 7.99% None

Fees applicable to all Visa cards:

  • Minimum finance charge: None
  • Transaction charges: None
  • Cash advance fee: None
  • Late payment fee: $30.00
  • Visa automatic payment return fee: $30.00
  • Balance transfer fee: None

Additional information:

* APR = Annual Percentage Rate. Your actual APR will be determined at the time of application and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Rates are set by the Board of Directors and may change without notice.

1 Estimated payment of $9.33 per $1,000 financed is based on maximum term and highest rate.
Estimated payments are based on the lowest rate available. Payments will vary based on rate you qualify for.