Flexible lending options to help you manage a wide range of financial needs.
Funds for when you need to get away.
When your family trip, honeymoon, or girls vacation can’t wait, cover travel-related expenses in a snap with this lump sum loan.
Spread holiday cheer without breaking your budget.
Between gifts, trips, and decorations, the holidays can be pricey. Don’t miss out on the magic. Cover your holiday spending with a Christmas Loan.
Effective Date: 6/15/2025
| Product | Rate |
|---|---|
| Christmas Club | 0.20% APY |
APY indicates annual percentage yield. Rates subject to change at any time without notice. Early withdrawal penalties may apply. Fees incurred could reduce earnings.
Minimum $5 deposit for savings and Christmas club accounts. Minimum $50 deposit for checking accounts. Minimum $1,000 deposit for IRA accounts. Minimum $1,000 deposit for certificates.
Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA – National Credit Union Administration, a U.S. Government Agency.
Establish or improve your credit.
Boost your credit score in one to two years with the help of this loan. Better credit means lower interest rates on vehicles, homes, and other large purchases.
Effective Date: 6/15/2025
| Loan Type | Rate |
|---|---|
| Credit Builder | 6.00% APR* |
*APR indicates annual percentage rate. Monthly payment amount approximately $18.88 on $1,000 for 60 months at 5.00% APR. Loans available to qualified members only. Rates subject to change at any time without notice.
A collateral-backed loan to finance a range of expenses.
Borrow against the balance of your existing savings account or certificate at an attractive rate. While you use and repay loaned funds, you’ll continue to earn interest on your balance. Plus, you may even be able to build or rebuild your credit.
Effective Date: 6/15/2025
| Loan Type | Rate |
|---|---|
| Savings Secured (up to 120 months) | 2.95% (Savings Rate + 2.75%) APR* |
*APR indicates annual percentage rate. Monthly payment amount approximately $18.88 on $1,000 for 60 months at 5.00% APR. Loans available to qualified members only. Rates subject to change at any time without notice.
Supplemental funds for when you need a bit more breathing room.
When expenses keep coming at you, lighten your load. Manage unexpected bills, make a significant purchase, or consolidate high-interest debt with a personal signature loan.
Effective Date: 6/15/2025
| Loan Type | Rate |
|---|---|
| Personal Loan (up to 60 months) | 12.00% – 18.00% APR* |
*APR indicates annual percentage rate. Monthly payment amount approximately $18.88 on $1,000 for 60 months at 5.00% APR. Loans available to qualified members only. Rates subject to change at any time without notice.
Financial flexibility you can draw from as you go.
A Line of Credit Personal Loan lets you use and repay funds on an as-needed basis. Cover day-to-day costs, afford a big life event, pay for repairs, and more without the strain.
Effective Date: 6/15/2025
| Loan Type | Rate |
|---|---|
| Line of Credit (Up to $20,000) | 11.75% – 18.00% APR* |
*APR indicates annual percentage rate. Monthly payment amount approximately $18.88 on $1,000 for 60 months at 5.00% APR. Loans available to qualified members only. Rates subject to change at any time without notice.
What’s your backup plan? This added protection ensures your loan payments will be made in the event of disability or death.
We offer skip-a-payments up to twice a year. For a small fee of $25 per loan, you can skip your payment on your loan anytime during the year and give your budget a break.
Click download form, call or stop by and speak with a Member Service Representative today to see if you qualify.*
*Skip-A-Payment is not available for CU MasterCard,® home improvement, home equity, home mortgage or land loans. Loans must be at least six months old and your account must be in good standing. Skip-A-Payments are subject to approval.
Skip-A-Payment does not adversely affect your credit. There is a limit to the number of months a loan may be skipped. Limited to only two skip-a-payments per calendar year and they cannot be consecutive months. A Member Service Representative will contact you with the status of the request.
If you have any questions, please call us at (409) 988-1300.
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