Personal Loans – We Got You Covered!

Our Personal or Line of Credit Loans may be used for many purposes, including, vacation and travel, bill consolidation, taxes or for unexpected expenses.


For first time borrowers or those with less than perfect credit our Preferred Personal Loan is the way to go.  In fact it can actually help your credit score!  Budgeting your spending with a Preferred Personal Loan keeps you in control of your monthly payments leaving you with peace of mind!


Our Credit Rebuilder Loan is a great way to repair damaged credit, or make your first loan from $500 to $5000 using your savings account as collateral.  The good news – your loan rate can decrease as your credit score improves!



Loan TypeMaximum AmountTerms*APR
Personal / Personal Line of Credit$35,000Up to 72 monthsAs low as 9.50%
Preferred Personal$5,000Up to 36 monthsAs low as 11.50%
Credit Rebuilder$5,000Up to 12 monthsAs low as 11.50%
Overdraft Protection$35,000Up to 12 monthsAs low as 9.50%
Share & Certificate SecuredAmount of Deposit Share Secured
Up to 5 years
More than 5 years

Certificate Secured
Term of CD

3% above Share rate
4% above Share rate

7.50% Minimum Rate
Loan DiscountsYou can lower your rates on applicable loans up to 0.50% with the following discounts:

Auto Pay 0.50%: A regularly scheduled electronic payment such as payroll deduction, transfer from your Bay Cities checking or savings, or debit from a checking account at another financial institution.

*APR – Annual Percentage Rate.  Rates are based on your credit profile.  Rates above include available discounts.  Rates are subject to change.

Debt ProtectionDebt Protection may cancel your loan balance or payments in case of involuntary unemployment, disability or death (Life Plus). Our Life Plus protection covers a range of circumstances which include accidental dismemberment, terminal illness, hospitalization or family medical leave and death of a non-protected dependent.
The Products offered:

  • Are not federally insured
  • Are not obligations of the Credit Union
  • Are not guaranteed by the Credit Union
  • Involve investment risk
  • If applicable, are being offered by a dual employee who accepts deposits on behalf of the Credit Union and also sells non-deposit investment products on behalf of a third-party broker