Personal Loans

These rates are effective May 18, 2023. Rates shown are the lowest offered, but your rate may vary based on your credit score, the term chosen and other qualifications.

Apply for a personal loan

Premier Personal Loans

If your credit score is 720 or higher, you may qualify for a Premier Personal Loan≬ at a lower rate. These loans are available in amounts from $10,000 to $40,000.

Term APR as low as* Loyalty APR as low as°
60 months 8.00% 7.75%
120 months 8.50% 8.25%

Apply for a premier personal loan

Personal Loans

You can get a personal loan for up to $20,000.

Term APR as low as* Loyalty APR as low as°
12 months 8.50% 8.25%
24 months 9.50% 9.25%
36 months 10.50% 10.25%
48 months 11.00% 10.75%
60 months 11.50% 11.25%

Apply for a personal loan

Secured Loans

Term APR as low as* Loyalty APR as low as°
60 months, secured by CD 2% Above 1.75% Above
60 months, secured by share 2% Above 1.75% Above

Payday Alternative Loans (PAL)

You can open one PAL every six months for $1,000 or less.

Term APR as low as* Notes
6 months 19% with automatic payments
6 months 21% without automatic payments

Apply for a PAL

Quick Draw Line of Credit

This is often used for overdraft protection on a checking account.

Term APR as low as* Loyalty APR as low as°
6 months 10.50% 10.25%

Apply for a Quick Draw

* APR = Annual Percentage Rate. APR may not include your required deposit. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. See Veridian for details.
° Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term.
≬ Premier Personal Loans require a minimum credit score of 720 for all borrowers. Additional requirements must be met.

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Serving all 50 states digitally with branches in Iowa and Nebraska.

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