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Enjoy competitive rates on the financing you need.

Personal Loan Rates

We can help you reach your goals.

Personal Loans

Type Term As Low As
Share Loan Up to 120 Months 2.80%(V) APR*
Certificate Secured Up to 60 Months Rate + 2.00% APR**
Share Secured Line of Credit Line of Credit 4.05%(V) APR***
Freedom Access Line of Credit 11.25%(V) APR****
Freedom ONE Up to 60 Months 8.99% APR*****
EZ Access 12 Months 17.99%APR†

*APR=Annual Percentage Rate. Rate is variable and may increase during the loan term. Approximate monthly payment would be $9.57 per $1000.00 borrowed at 2.80% for 120 months. Loan balance will be secured against the regular share account. Secured funds will not be available for use. Other conditions may apply. Rates subject to change.
**Annual Percentage Rate and is based on the annual percentage rate of the secured certificate plus a margin of 2%. Approximate monthly payment would be $17.97 per $1000.00 borrowed at 3.00% for 60 months. Other conditions may apply. Rates subject to change.
***APR=Annual Percentage Rate, rate may vary. Interest begins to accrue when you access the funds. Actual rate offered based on individual credit history. Loan balance will be secured against the regular share account. Secured funds will not be available for use. Other conditions may apply. Rates subject to change.
****APR=Annual Percentage Rate. Variable rate subject to change monthly based on the prime rate as published in the Wall Street Journal plus a margin. Actual rate offered is based on overall creditworthiness factors. Interest begins to accrue when you access the funds. Floor APR is 6% and the maximum APR is 18%. Other conditions may apply. Rates subject to change.
****APR=Annual Percentage Rate. Actual rate offered is based on credit worthiness factors. Approximate monthly payment would be $20.92 per $1000 borrowed at 8.99% for 60 months. Other conditions may apply. Rates subject to change.
†Available to employees of or those employed at hospitals, facilities, and affiliates of the Detroit Medical Center, Beaumont Health, St. Joseph Mercy Health System, Spectrum Health and Munson Healthcare. Subject to eligibility verification. Credit limit offered will be $1,000 on all approved loans. After $1,000 initial draw, subsequent draws must be made for the full amount of the available credit limit. Outstanding balance must be $100 or less for subsequent draws. Member must have a minimum automatic monthly payroll direct deposit of $500. Subject to approval based on overall creditworthiness factors. Other conditions may apply. Rate subject to change.