Personal Loans

Whether you need a temporary loan, revolving line of credit, or to establish/re-establish your credit, we offer several loan options to fit your personal credit needs.

Personal Loan


Members can borrow money for the purpose of vacation, home improvement, furniture, or other major purchases.

• Borrow up to $15,0001
• Fixed loan term up to 60 months2
• Fixed monthly payment

1 Member may borrow up to $15,000 unsecured (cumulative total of personal loans and credit cards)
2 Loan rates and term based on credit worthiness

Line of Credit


A Line of Credit enables you to borrow money for unexpected expenses, but unlike the Personal Loan, you do not begin to make payments until you actually receive funds from the loan. Funds can be accessed on an “as needed” basis.

• Credit limits up to $15,0001
• Low monthly payments2
• Withdraw funds anytime, up to your credit limit3

1 Member may borrow up to $15,000 unsecured (cumulative total of personal loans and credit cards)
2 Minimum monthly payment is 3% of the outstanding balance or $50 – whichever is greater.
3 Loan rates and term based on credit worthiness

Overdraft Protection


An Overdraft Protection loan is perfect for those times when you come up a little short. Your Overdraft Protection loan can be accessed when you write a check or use your MasterMoney debit card.

• Credit limits up to $1,0001, 2
• Fixed monthly payments
• Payments are automatically transferred from your checking account
• Link multiple checking accounts to the same Overdraft Protection loan
• Funds are advanced in $25 increments

1 Member may borrow up to $15,000 unsecured (cumulative total of personal loans and credit cards)
2 Loan rates and term based on credit worthiness

Secured Loan


Whether you want to establish credit or re-establish credit, a share secured or share certificate secured loan can help you.

• Borrow up to 90% of your account balance1
• Fixed monthly payments
• Fixed term up to 60 months2
• Funds are placed on hold and are released as payments are made and the loan balance decreases
• Funds on hold will continue to earn dividends

1 Funds used to secure loan must be deposited a minimum of fifteen (15) days prior to loan request
2 Maximum term for a share secured loan is 60 months. The term for a share certificate loan is equal to the term for the share certificate used to secure the loan.