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 loans, Line of Credit loan, and credit card options below and decide which is the best option for you. 

Apply for a Personal Loan Online Calculate your Monthly Loan Payment   

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
Personal Loan Up to $50,000 24 months 6.75% $44.67 per $1,000 financed
Personal Loan Up to $50,000 36 months 7.00% $30.88 per $1,000 financed
Personal Loan Up to $50,000 48 months 7.50% $24.19 per $1,000 financed
Personal Loan Up to $50,000 60 months 8.00% $20.28 per $1,000 financed
Personal Loan Up to $50,000 72 months 8.50% $17.79 per $1,000 financed
Personal Loan Up to $50,000 84 months 9.00% $16.10 per $1,000 financed
Share Secured Loan   Up to 144 months Securing Share rate +3% 1See below
Fast Cash Loan $1,000 Ask for details 28.00%  
Lines of Credit
Loan Type Amount Limit Repayment Term APR as low as*
Express Money LOC Up to $25,000 Open-end Line of Credit 9.90%
Overdraft LOC Up to $1,000 Open-end Line of Credit 15.00%
Credit Card Rates
Credit Card Type Amount Limit APR as low as* Annual Fee
Visa® Signature No pre-set spending limit 8.70% None
Visa Platinum $25,000 8.90% None
Visa Gold $15,000 10.90% None
Visa Classic $10,000 11.90% 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.
2 Estimated payments are based on the lowest rate available. Payments will vary based on rate you qualify for.