Apply for a Loan

  

  

  

  

  

  

 

---

¹APR = annual percentage rate. With approved credit. Rate subject to change.

*Must be 18 years or older and a homeowner with a valid email address. Loan application is required and the purpose of the loan must be for improving the primary residence of the borrower. All applications are subject to credit review and approval. Only one Homeowner Project+ Loan per member can be open at a time. Your loan terms, including APR, may differ based on amount, length of term, and your credit profile. Minimum loan amount is $10,000 and maximum loan amount is $50,000. Additional conditions and limitations may apply. Advertised rates and terms are subject to change without notice. Equal Opportunity Lender.

³Overdraft Loan: ​ Must be 18 years of age or older. Personal checking accounts that have been open for a minimum of 90 days and are currently overdrawn are eligible for loan. Business checking accounts are not eligible. An Overdraft Loan is established only on the overdrawn checking account under one membership number for the exact overdrawn amount and does not cover any outstanding, expected, or not posted amounts. Minimum loan amount is $250.00. Maximum loan amount is equal to the current overdrawn amount at the time of application. Term of repayment is up to 6 months for loan balances $1,000 or less or up to 12 months on balances over $1,000. Fixed 18.00% APR. Loan is not eligible for Skip-A-Payment. Ability to repay loan must be demonstrated. Payment dates and payment frequency cannot be changed. If enrolled in Courtesy Pay, Courtesy Pay will be suspended until Overdraft Loan is paid in full, or may be permanently suspended. Member will be informed at time of agreement signing if suspension is permanent or temporary. Courtesy Pay reinstatement may reflect new amounts based on updated criteria. Other restrictions may apply. Equal Opportunity Lender.

  

  

¹​Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. APR based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Rewards Guide to Benefits(Opens in a new Window). Read the Visa Rewards Credit Card Disclosure. View our Notice Documents.

²​Must be 18 years or older to apply. Applicants under the age of 21 may require a co-signer unless independent means of repayment can be established. Introductory APR only applicable to new credit card applications. 1.99% Introductory APR for 6 months from issuance of the card on balance transfers and purchases. After the introductory period, APR will be adjusted based on creditworthiness and balance transfer fee will be at $30.00 or 3.00% of the amount of each balance transfer, whichever is greater. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 3% of total new balance or $35.00, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. 

 

Jacqueline Montanez: NMLS# 2239073 | Olivia Longoria: NMLS# 1846647 | Georgia Gasparek: NMLS: 2396022 | Neighborhood CU: NMLS# 403562