Personal Loans

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See How a Personal Loan Can Help

Sometimes, you just need a little extra money to get you through whatever life throws at you. At CommunityAmerica, were to help with the unexpected with a wide variety of personal loan options. Whether youre looking for a secured or unsecured loan, we’ll work with you to find the solution that best fits your financial needs. With options offering flexibility in loan amounts, term lengths and more, and a hassle-free online application process, we make securing a personal loan one less thing you have to worry about.

Personal Loan Rates

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Personal Loan

Rate as low as 12.99% APR1

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Personal Line of Credit

Rate as low as 14.49% APR2

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Holiday Loan

Make the Holidays Sparkle

With Our Holiday Loan

Let us help you make the holidays special with our Holiday Loan. Apply for up to $2,500 at 10.99% APR* for 12 months

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Personal Loan Options

Whether you’re looking to consolidate debt, launch your next project or cover expenses, we have a personal loan option to help you get there. Enjoy the fixed rate of our most popular Personal Loan, the flexibility of a Personal Line of Credit or the credit-building capabilities of a Secured Loan. No matter which loan you choose, you’ll enjoy competitive rates and a variety of loan amounts and term options.

Personal
Loan

Meet our most popular loan. A no-hassle loan that gets you the money you need quickly.
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This multipurpose, fixed-interest rate loan gets the job done.

Other features of our Personal Loan include:

  • No collateral required
  • Minimum $500 loan amount
  • Maximum $25,000 loan amount
  • Terms up to 48 months1
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Personal Line of Credit

Not exactly sure how much you’ll need or how often you’re going to need it?
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Do more with a personal
line of credit.

A Personal Line of Credit establishes a range of loan amounts that can be used at any time. Perks include:

  • A great option for overdraft protection on all checking accounts
  • A minimum $500 loan amount and maximum $25,000 loan amount
  • Convenience checks available upon request
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Savings Secured
Loan

 Build your credit score using funds you already have with a Savings Secured Loan.
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Plus, access your money at a moment's notice.

A Secured Loan offers:

  • Very competitive interest rates
  • Term up to 60 months3
  • Minimum loan amount of $500
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ScoreMore
Loan

The ScoreMore LoanSM is here to help you build your credit or improve your current score.
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Boost your credit and build savings at the same time.

Your on-time monthly payments are reported to the credit bureaus and added to a secured savings account, which you'll gain access to after making your final payment. Perks include:

  • Boosts credit score by 60 points on average4
  • Increases savings balance by $253 on average4
  • A fixed, low interest rate of 3.99% APR4
  • Customizable to fit your budget
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CD
Secured Loan

If you open a Certificate of Deposit with us, you can use that as collateral for a personal loan.
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Take advantage of a Certificate of Deposit (CD) Secured Loan.

Interest is low, terms are variable and you continue to earn interest on your CD. With this loan, you’ll also find:

 

  • Approval in minutes
  • Funds available almost immediately
  • Terms up to 60 months, not to exceed your Certificate (CD) maturity date5
  • Maximum loan amount based on available Certificate (CD) account balance
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Apply Online

We make our personal loan application process quick and hassle-free to help you get the money you need when you need it. It just takes a few minutes to fill out our online application. If you have questions or need help understanding your personal loan needs, get in touch or visit us at one of our convenient branch locations.
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Profit Payout Share

Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.

Estimate Your Payout

Calculators

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Loan Balance Calculator

Determine the amount of your loan balance along with an amortization schedule.
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Loan Payment Calculator

Find out the impact of different variables on your loan payment amount.
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Loan Payoff Calculator

See how long you’ll need to make regular payments to pay off your loan.
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Debt Consolidator Calculator

See how quickly you could get out of debt and how much interest you may save.
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Member Favorites

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Download Our Mobile App

The banking tools you need right in the palm of your hand.
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Visa® Signature Credit Card

Check out all the perks, including a great low introductory rate.
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Cashback Free Checking

Earn 1% cash back on the first $500 of monthly purchases6.
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