Credit - Without the Card

Personal lines of credit and signature loans (sometimes called Personal Loans) often have lower interest rates than a credit card and could be the perfect solution to help you consolidate higher-rate debt, purchase furniture and appliances, or for unexpected repairs.
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The Choice is Yours!

Personal loans often have lower rates than credit cards and could be better solutions for whatever life throws your way.

  • Personal Line of Credit

    A Personal Line of Credit works like a credit card. It allows you to borrow money as you see fit. When you need some extra cash flow, the Personal Line of Credit is there to use.

    Loan Features
    • $2,000 Minimum Credit Limit.
    • Variable 11.50% APR*.
    • $15.00 annual fee applies**. 
    • Access your credit account via online, mobile Banking, by phone, or a local branch.
    Apply Now!
  • Signature Loan

    A Signature Loan (also called an unsecured loan) can be used for anything you want to do with it. In other words, the choice is totally up to you!

    Loan Features
    • Terms up to 72 Months***.
    • Terms and loan amount is based on creditworthiness.
    •  Low fixed rate.
    •  Funds are disbursed in a lump sum.
    •  Manage Your Account via Online or Mobile Banking
    Apply Now!
  • Share Secured Loan

    By securing this loan with funds in a savings or certificate account, you can borrow at a low rate regardless of your credit score. A Share Secured Loan is a great way to establish or rebuild your credit.

    Loan Features
    • Loan amount & terms based on your savings or certificate account.
    • The fixed APR* for your loan would be just 2% above the APY of the securing savings product.
    • Funds are disbursed in a lump sum.
    • Manage Your Account via Online or Mobile Banking
    Apply Now!
Rates and Terms



* APR = Annual Percentage Rate. APR is accurate as of 7/19/2024 and is subject to change after account opening. Rate based on creditworthiness and product type.

** Personal LOC Annual Fee: $15

All loans subject to approval.

Signature Loan Payment Example***

Monthly payment of $233.02 based on 24 month, $5,000 loan at 10.99% APR