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.

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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. Available at Amazon button.

Personal Line of Credit Rates
TermAPR* as low as
Personal Line of Credit (maximum $25,000)Prime + 5.50%

 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, and you’ll know exactly what your monthly payments will be for the life of the loan.

Manage your account through our mobile app:

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

Signature Loan Rates
TermAPR* as low asEstimated Monthly Payment/Per $10,000
12 months8.25%$871.04
24 months8.25%$453.41
36 months8.25%$314.52
48 months8.50%$246.43
60 months8.50%$205.13
72 months9.25%$181.53
84 months10.25%$167.34

Simplify your bill payments and reduce your debt faster by consolidating it! Our debt consolidation loans make it easy to consolidate your outstanding credit cards, student loans, and finance bills into a single easy-to-make regular monthly payment with a payoff date. Unlike a credit card, it won’t tempt you to spend more.

Manage your account through our mobile app:

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

Debt Consolidation Loan Rates
TermAPR* as low asEstimated Monthly Payment/Per $10,000
60 months13.50%$230.10

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

  • Maximum is 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

Manage your account through our mobile app:

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

Share Secured Loan Rates
TermAPR*Estimated Monthly Payment/Per $10,000
60 months or Share Certificate Maturity Date3.00% Above Share Rate179.71

 

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.

* APR = Annual Percentage Rate. Rates are based on an evaluation of credit history, so your rate may differ. The APR shown above reflect the current minimum APR offered.  The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio and aggregate credit score. 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.

Rates for Signature, Debt Consolidation and Vehicle loans include a .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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