Personal Loans

Loans that don’t require collateral for approval

• Personal Loans
• Holiday Loans

Quick & convenient access to cash… anytime or anywhere

• Get money deposited into your bank account easily
• Application process is through online banking & available 24/7
• Loan amounts from $200 to $2,000 with terms up to 12 months
• No credit check required, approval is based on member history
• Best for unexpected emergencies or an alternative to payday loans

Avoid insufficient fund fees on your checking account

• Automatic overdraft protection up to your approved credit limit
• You only pay if there is a balance on this loan
• Improves your weekly/monthly cash flow
• Cost is a fraction of the amount charged for insufficient funds ($25 fee) or courtesy pay ($20 fee)
• Meets the loan product requirement for GoldStar® Membership

Use your deposit account balance as collateral to build or re-build your credit

• Uses your savings, checking, or certificate account balance as collateral for the loan
• Maximum loan amount is based on secured account balance
• Secured funds must remain for the duration of the loan
• Secured funds continue to earn monthly dividends
• Ideal for people trying to improve their credit score