Personal Loans & Lines of Credit
Personal Loan
Personal Loan
Whether you're planning a vacation, have an unexpected expense or are making a large, one-time purchase, a personal loan can provide the funds you need with an affordable monthly payment.
Details
- Low, fixed APR
- Borrow up to $25,000
- No application fee, no annual fee, no prepayment penalty
- Terms up to 60 months
- Debt Protection available
- Skip-a-Pay program available
Rates
| Personal Loan Rates Rates as of 11-1-24 | ||
|---|---|---|
| Term | Maximum Amount | Best APR1 |
| Up to 60 months | $25,000 | 13.49% |
1APR (Annual Percentage Rate) is best available and is subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. Payment sample: Pay $23 per month per $1,000 borrowed for 60 months at 13.49%.
Personal Line of Credit
Personal Line of Credit
The personal line of credit functions much like a credit card, making it ideal for an on-going project. You can use the funds over a period of time, accessing a portion of the credit line when needed, as opposed to using the amount as a lump sum like a fixed personal loan.
This unsecured loan differs from a home equity line of credit by giving you immediate access to your funds without having to use your home as collateral.
Details
- Low, variable APR, linked to the Prime Rate
- Borrow up to $25,000*
- No application fee, no annual fee, no prepayment penalty
- Open-ended term—continue to access your funds
*The cumulative limit for unsecured credit per member is $25,000.
Rates
| Personal Line of Credit Rates Rates as of 11-7-24 | ||
|---|---|---|
| Term | Maximum Amount | Best APR1 |
| Variable | $25,000 | 12.75% |
1APR (Annual Percentage Rate) is variable and is based on the Prime Rate plus the applicable margin, may adjust monthly and is subject to change; is best available; rate may be higher depending on factor such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
Apply for a personal line of credit
- No annual fee
- No application fee
- No prepayment penalty
