Sometimes you just need a little extra money or a way to build credit so you can better plan for your future. Check out our solutions to help you cover expenses in your checking account, make a purchase or build credit.
|Overdraft Personal Line of Credit (PLC)||Unsecured Loan||Credit Builder|
|Fast, easy access to cash tied to your checking account when you need it.||Personal loans with fixed rates and terms||A great way to begin establishing credit and prepare for your future.|
|APR||15.50% 1 (variable)||13.75% 2||Instrument rate + 3.0% 3|
|Rate Type||Adjustable based on Wall Street Journal Prime + 8.5%||Fixed||Variable|
|Min Loan Amount||$750||$2,500||$500|
|Maximum Loan Amount||$5,000||$10,000||95% of the instrument balance|
|Term||Revolving||Up to 36 months||Equivalent to the term of the instrument|
|Apply Now||Apply Now||Apply Now|
All loan applications are subject to credit approval.
Effective Date: November 3, 2022
Overdraft Personal Line of Credit
Life happens! And we understand there might be times when you overdraw your checking account. Eliminate the embarrassment and inconvenience of a returned check with our Overdraft PLC.
It’s tied to your checking account and supplies you with funds from a pre-determined and approved line of credit. The line of credit is revolving so you can borrow and repay continuously – a great way to have funds available when you need it.
An unsecured Personal Loan is an easy solution to pay for those miscellaneous expenses that come up.
Sometimes – or most of the time – you just need cash. For those unexpected purchases or even a planned event, an unsecured loan may be the right choice for you. You’ll get access to your funds with a simple option that can cover your smaller, more immediate needs.
A Credit Builder loan is a secure and simple way to start building, or rebuilding, your credit. Establishing good credit is a smart idea and a great way to prepare for your future, and we want to help set you up for success. The higher your credit score, the more likely you will be to receive better terms and rates on future loans, which could help reduce your payments.
How it works: with a credit builder loan, you take out a loan against money you already have in savings, so it is secured. This allows you to build a credit history as a borrower, and help improve your credit score as you make your payments on time every month.
This solution is ideal for young adults with not credit and just starting out, or for anyone who may need to rebuild their credit after unplanned life events.