Personal Loans

1 Personal Loan. APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates effective as of 6/16/2025.

2 Personal Line of Credit. APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. APR may vary and is determined by adding a margin of 6.49% - 14.49% to the U.S. Prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month. Rates effective as of 6/16/2025.

3 Savings Secured Loan. Rates differ based on individual credit score, length of loan term and the amount of the loan. Rates are subject to change. Payment Example: $20,000 at 2.99% APR; 63 monthly payments of approximately $343.86.

4 ScoreMore Loan. APR (Annual Percentage Rate). Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. As of 6/16/2025, loan rate is 3.99% APR and is subject to change without notice. As of 6/16/2025, the APY (Annual Percentage Yield) of the share savings account is 0.02% APY and is subject to change without notice. After successful repayment of the loan, the balance on hold in the share savings account (which includes the interest earned minus loan interest) will be disbursed to the borrower. After 25 days delinquent the ScoreMore Loan will automatically close and the funds in the pledged account will be applied to settle the loan. Claims of “building credit”, “boosting credit”, “improving credit”, “increases credit scores by 60 points on average”, and “increases savings balance by $253 on average” are based on a CFPB study titled “Targeting Credit Builder Loans: Insights from a Credit Builder Loan Evaluation” (July 13-17, 2020). Not all borrowers will experience these benefits, some may not experience any of these benefits, and some borrowers may experience a lower credit score, depending on each individual borrower’s unique circumstances.

5 CD Secured Loan. Rates differ based on individual credit score, length of loan term and the amount of the loan. Rates are subject to change. Payment Example: $20,000 at 2.99% APR; 63 monthly payments of approximately $343.86.

6 Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Cashback Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 6/16/2025 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. This account requires eStatements to avoid conversion to different checking product not eligible for cash back. Limit one Cashback Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, Loan Advantage or Cashback Free Checking. Qualifications for cash back: The membership account number tied to the Cashback Checking account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.