Personal Loans



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Planning a dream vacation? Need to make some unexpected home repairs? Need a personal line of credit?

We’ve got a loan for that!

2 travelers sightseeing at the colusseum in rome

Holiday Loans

Need Extra Cash for the Holidays? Use a Holiday Loan for gifts, vacation, holiday travel plans. Use your credit card now to take advantage of point programs, and then pay off credit card balances with a Holiday Loan!

person picking samples for a home improvement project

Personal Loans

A Personal Loan offers a fixed rate and term so you can budget your monthly payment. There are no fees to apply and you can prepay at any time. Personal Loans can help you quickly receive the money needed for special events, home improvements, unplanned expenses, etc.

phone showing a stock growth chart

Stock Loans

Get what you want – with the purchasing power of your assets. Our Super Stock Loan program provides a valuable and exclusive benefit that lets the value of your company stock continue to appreciate1 while you take advantage of the equity it’s built up and any dividends you may receive.

  • Loans up to 80% of the current market value for J&J Stock (JNJ); 75% for any other publicly traded company in our field of membership, and 60% for all other stocks traded on the NYSE or NASDAQ.
  • Maximum loan amounts up to $1 million.
  • Extremely competitive rate based on the 10-year T-bill rate for the Fixed Payment option, and the Prime Rate for Line of Credit and Interest Only option.
  • Two payment options are offered – Interest Only or Fixed Payment of principal and interest.
  • Applying is simple with no credit verification required.
  • Same day service on your loan request!

Personal Loan Rates & Terms

Term Loans8

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Vacation LoanUp to 12 months8.69%$87.31
Holiday LoanUp to 12 months5.99%$86.26
Personal LoanUp to 60 months9.24%$20.96

Lines of Credit8

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Personal Line of CreditUp to 120 months11.24% (9)$30.00

Stock Secured Loans 8, 16

TypeTermRelationship Premium Annual Percentage Rates As Low AsMonthly Payment per $1,000 borrowed
Line of Credit4.00%$5.55
Principal & InterestUp to 120 months4.00%$10.15
Interest OnlyUp to 12 months4.00%$3.33 Interest Only

Let’s Get Started!


Loans subject to credit approval.*Loan amounts between $500 and $5,000.

(1) Past performance is no guarantee of future results.

(8) Loans and Lines are not available in Puerto Rico.

(9) The Annual Percentage Rate (APR) is based on individual credit circumstances, and is subject to change daily once your line is established. Prime equals Prime Rate as listed in the Money Rates section of the Wall Street Journal on the 20th day of the 2nd month of the previous quarter. Current Prime Rate is 3.25%. Minimum rate is 9.99% APR. An annual fee of $25 is charged annually on the anniversary of a personal credit line.

(16) The Annual Percentage Rate (APR) quoted is the lowest based on individual credit circumstances for each qualified applicant. The rate will never be higher than the maximum allowed by the Federal Credit Union Act from, which is currently 18%. Certain restrictions and minimum loan amounts may apply. Rates are subject to change without notice.

Loans subject to credit approval.