Personal Loans

Need a little more than you’ve got? Our personal loan options give you great rates on money that you can use for just about anything: making a specific purchase (like a computer or new furniture), paying for life events (like a wedding or vacation), or consolidating your debt for a lower payment. No matter where you are, it’s easy to apply online and manage your loan.

Find the personal loan that’s right for you!

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 A Personal Line of Credit offers the convenience and flexibility to help you meet life’s financial situations. You’ll enjoy easy access to a ready source of funds for recurring expenses, major life events, large or unexpected purchases, and even use it as a source of overdraft protection. Borrow what you need, whenever you need it without having to reapply. Best of all, you pay only on the amount you use.

  • Credit lines up to $25,000
  • Money is available up to your predetermined limit
  • Loan Protection options available

Manage your loan through our mobile app:

Download on the Apple App Store button. Get it on Google Play button. 

Personal LOC Rates

TermAPR* as low as
Personal Line of Credit (maximum $25,000)11.00%

Signature Loan

A signature loan is an unsecured loan granted based on your application and disbursed with just your signature. You can use it for any purpose like, a down payment for a wedding, starting your own business, debt consolidation1, or anything you want! You’ll know exactly what your monthly payments will be for the life of the personal loan.

Manage your account through our mobile app:

Download on the Apple App Store button. Get it on Google Play button.

Up to 36 months
APR as low as
37-48 months
APR as low as
49-60 months
APR as low as
61-72 months
APR as low as
73-84 months
APR as low as
7.50%7.75%8.00%8.75%9.75%

As of August 1, 2022, a loan of  $10,000 for up to 60 months, at an annual percentage rate of 8.00% APR will have a monthly payment of $202.84. Rate reflects relationship discount.

1 For debt consolidation loans, 2% will be added to the signature loan rate. As of August 1, 2022, a loan of $10,000 for  60 months, at an annual percentage rate of  10.00% APR will have a monthly payment of  $212.53.

Use your savings without spending it! Share secured loans are fully secured by funds in your primary savings account or certificate.  The fund amount you pledge as security for your loan (plus the $25 minimum balance in your share account) remains in your savings account or certificate for the life of the personal loan. This type of loan can also be a valuable tool to possibly establish or rebuild your credit history.

  • No credit pull required
  • Maximum amount is equal to available share balance
  • Share balance must match loan amount
  • Loan rates are determined based on the dividend rates for the securing account
  • Loan Protection options available

Call us at (800) 914-8619 to apply for a share secured loan.

Manage your account through our mobile app:

Download on the Apple App Store button. Get it on Google Play button. 

Share Secured Loan Rates

APR*
3.00% Above Share Rate

 

Calculators are Powered By CULookup and are not a guarantee of credit.  Links within the calculator lead to a third party site, Interior FCU does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites.

+Interest still accrues during period of “no payment for 90 days”.

* APR = Annual Percentage Rate. Loan rates are based on creditworthiness and combined products/services of checking account, direct deposit (minimum $500 monthly), e-statements and Visa® Debit Card. Rates are based on an evaluation of credit history, so your rate may differ. The rates will be based on an index of the Prime Rate as published in the Wall Street Journal plus or minus a margin. The rates are adjusted quarterly. Loan rates are determined based on the dividend rate for the securing account. These funds pledged as collateral for the loans must remain at the same balance as the loan.

^Not all applicants will qualify. Not all borrowers will qualify for the lowest rate. Actual rate will vary depending on the applicant’s creditworthiness. For additional rates and terms click here.

Rates for Signature, Debt Consolidation and Vehicle loans include a 0.25% discount if member has an Interior FCU Checking Account, Direct Deposit (minimum $500/month), Visa Debit Card and E-statements.

Existing loan rates may change every January, April, July, and October based on changes in the Prime Rate as of the 1st day of the previous month.

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