Personal Loans

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For purchases or peace of mind, our Personal Loans are here to help

Life can throw surprises your way, and sometimes a little extra money makes all the difference. Whether you're planning something special, handling a big expense or consolidating debt, you've got options. Apply for a Personal Loan or choose a line of credit you can use anytime.

Signature Loan

When you know exactly how much money you need to borrow, a Signature Loan provides funds and predictably for budgeting. This is a great option for consolidating higher-interest debt into a single, more manageable payment with a potentially lower interest rate.

A fixed rate means you can predict how much you'll pay each month
Your rate won't change during the term of your loan

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Ready Cash Line of Credit

It's all in the name with this option – cash is immediately available whenever you need it. Open this line of credit as overdraft protection for your checking account, or use it to fund special projects. There's plenty of flexibility so you can address anything that pops up.

Quickly advance funds through Digital Banking for instant access
Pay interest only on the funds you use – there's no cost to open this line as a financial safety net

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Home Improvement Personal Loan

If you’re planning updates, repairs or upgrades to the place you call home, a home improvement loan can help make it happen. It’s a simple way to fund projects now and enjoy the results right away.

• Borrow up to $25,000 for eligible home improvement projects
• Designed for owner occupied properties
• Fixed payments make it easy to budget and plan

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Personal Loans and Lines Rates

Effective Date: June 04, 2026
Type	Term	APR* as low as
Signature¹	Up to 72 months	10.99%
Ready Cash Line of Credit²	Revolving Line of Credit	10.50%
Home Improvement Personal Loan³	Up to 72 months	10.74%

*APR = Annual Percentage Rate

1. Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 10.99% APR up to a 72-month term would make a payment of $19.03 per $1,000 borrowed. Rates subject to change at any time.

2. Actual rate based on applicant's payment and credit history. The minimum floor APR will be 8.00% and maximum APR will be 17.99%. Current variable APR ranges from 10.50% - 17.99%, based on the Wall Street Prime Rate which is currently 6.75%. Rates subject to change at any time. Limit of one line of credit per membership.

3. Property must be owner occupied. Maximum loan is $25,000.

What to know before you borrow

Set a realistic budget and borrow only what you need

Check your credit score for the best possible rates

Pay bills online with easy one-time or recurring options

Understand your repayment term, payment and total cost

Set up automatic payments to avoid missing due dates

Pay extra when possible to reduce interest and finish early

Personal Loans

For purchases or peace of mind, our Personal Loans are here to help

Personal Loan Rates

Personal Loans and Lines Rates