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.
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% |
* 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.