Consumer Loans

Money When It Matters Most.

A young woman in a graduation cap and gown hugs an older woman. The graduate is holding a diploma in her hand.

We’ll help you find the loan you need for what you want.

Need to borrow? We make it easy with competitive rates, flexible terms, and real people ready to help you find the right fit for your goals and budget.

Auto Loans

Perfect for: New or used vehicles, refinancing to lower payments or rates

Car shopping is easier when you know what you can afford before you step on the lot. Get pre-approved, compare real pricing, and explore terms that make sense for your life and your budget.

What You Can Expect

  • Same-day pre-approval — know your budget before you shop
  • Flexible terms up to 84 months to fit your monthly payment
  • Competitive rates for new or used vehicles
  • Local lending decisions from real people
  • Power Check available to simplify dealership financing
  • Refinance options to help lower your payment or rate

Fresh Start Auto Loans

Perfect for: First-time buyers or members with impaired credit

If your credit history makes getting an auto loan difficult, the Fresh Start Auto Loan can help you get where you need to go while building positive payment history. Designed for members who need a second chance, the Fresh Start Auto Loan helps to rebuild or establish credit. Whether you need help starting over or help getting started, we’re here for you.

Personal Loans

Perfect for: Debt consolidation, travel, bills, or unexpected costs

Borrow for what life brings. A personal loan gives you an easy way to consolidate debt, cover expenses, or fund the things you care about. One fixed rate, one monthly payment, and no collateral required.

How It Works For You

  • Fixed rate + fixed monthly payment makes budgeting easier
  • Local lending decisions from people here to help
  • Use funds for debt payoff, travel, emergencies, and more

Recreation Loan

Perfect for: Boats, RVs, campers, powersports

Ready for your next adventure?  We can help you finance a boat, RV, or camper so you can get out on the water or the road.

How It Works For You

  • Same-day pre-approval for easy shopping
  • Competitive rates
  • Terms up to 120 months to fit your budget
  • Local lending decisions
  • Options available for refinancing

Share Secured Loans

Perfect for: Low-interest borrowing while keeping funds invested

Borrow without spending your savings. Use your savings or certificate as collateral while continuing to earn interest. A secured loan is a smart way to borrow while keeping your savings intact.

How It Works For You

  • Keep earning dividends while you borrow
  • Lower-cost borrowing
  • Works for many different needs
  • Pay only 2% above what your share or certificate earns

How to Get Started

Apply online anytime or talk with a lending specialist — whatever works for you. No pressure. No obligation.