Personal Loans
Signature Loan
Plan your next big family gathering, cover unexpected expenses, or finally tackle your project plans. Whatever you need money for, we’re by your side every step of the way.
Features & Benefits
- Competitive financing means we work to get you the best rate possible
- Borrow up to $25,000
- Flexible repayment terms1
Current Members can login to online banking to apply for a personal loan.
Personal Line of Credit
When opportunity knocks — or life throws a curveball — give yourself the funds and flexibility to answer with confidence.
Features & Benefits
- Immediate access to your funds
- Replenish your line as you pay it back
- Line available up to $25,000
- Flexible repayment terms1
Current Members can login to online banking to apply for a line of credit.
Savings Secured Loan
Take the next step without taking from your savings. A Savings Secured Loan helps you access the funds you need today while continuing to build toward tomorrow.
Features & Benefits
- Borrow up to 100% of your savings or certificate account balance2
- Competitive financing means we work to get you the best rate possible
- $500 minimum loan amount3
Current Members can login to online banking to apply for a secured loan.
Credit Builder Loan
Life is full of twists and turns — and sometimes your credit gets a little banged up. Get back on track with a loan built for the road ahead.
Features & Benefits
- No down payment required
- No minimum credit score required4
- No pre-payment penalties
- Choose repayment terms to fit your budget
- Reported to all 3 credit bureaus
How It Works
- Loan funds are deposited directly into your Trax Savings Account and placed on hold
- You make on-time payments over the term of the loan
- Once the loan is paid off, the hold is released on the funds in your savings account
- You gain credit history and establish a savings account at the same time!
Current Members can login to online banking to apply for a credit builder loan.
current rates
Savings Secured Loan
Signature Loan
Personal Line of Credit
Credit Builder Loan
FAQs
Questions?
We’d love to help.
We look forward to hearing from you. Please reach out with any comments or questions!
Related Products & Services
*APR = Annual Percentage Rate. Personal loans have a fixed Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms and represent the "as low as" rate. Contact the credit union about specific rates and terms.
1$25 minimum payments.
2Funds from a savings or share certificate are used as collateral. Funds are put on hold, and will be released to you as payments are made.
3Maximum loan amount is up to the share/certificate balance
4Annual Percentage Rate (APR) is fixed for the duration of the loan. Other restrictions may apply. Membership Eligibility required. Rates are subject to change without notice.