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Current Personal Loan Rates
| Product | APR* | Maximum Loan | Type | Terms (Months) |
|---|---|---|---|---|
| Personal Loan | 10.74% | $30,000.00 | Fixed | up to 48 |
| Personal Loan | 10.49% | $25,000.00 | Fixed | up to 48 |
| Personal Loan | 9.99% | $20,000.00 | Fixed | up to 48 |
| Share Secure loans | 5% above saving rate | Fixed | up to 60 | |
| Share Certificate secure loans | 3.00% above CD Rate | NA | Fixed | must match Certificate term |
Share and Certificate Secured Loans margins show above, effective as of 7/29/24.
*APR = Annual Percentage Rate. The rates shown above are for qualified borrowers as of November 10th, 2025, and are subject to change without notice.
- All borrowers must have or open a savings account and be a member in good standing. A minimum balance of $100 is required in the account to earn interest. If the minimum balance is not maintained, a fee will be assessed—please refer to our Fee and Rate Schedule for details. A full credit check is required for all borrowers. All advertised rates are subject to individual qualifying factors and may change without notice. Straight refinances are not eligible for a lower rate; an additional advance is required. Borrowers must have a minimum of six (6) months of consistent employment and an annual income of at least $20,000.
Personal Loan Payment Example: A $10,000 loan at a 9.99% APR with a 48-month term would have a monthly payment of $253.57, based on a payment factor of $23.36 per $1,000 borrowed, at a fixed (non-variable) interest rate.