Personal Loans & Lines of Credit

A personal loan or line of credit for one member may be something entirely different for another. However, one thing's for certain — it will always be personalized to the recipient.

Whether you're financing a one-time DIY project or a 9-month kitchen renovation, we offer budget-friendly financing on loans and lines of credit. Plus, we handle everything in-house by people you know and trust. That way, we can customize financing based on your unique situation and get cash to you quicker.

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Personal Loans
  • Competitively low rates for a wide range of personal needs
  • Secured and unsecured options available
  • Flexibility when it comes to terms and repayment options
  • No annual or prepayment fees
  • Local decision-making and processing
  • Helpful, member-first service throughout the entire process

Additional Coverage

To provide you the best protection on your loan, we have worked hard to bring you options when you plan on borrowing with Financial One Credit Union.

Learn more about or sign up for Payment Protection with Credit Life and Credit Disability Insurance today.

Personal Lines of Credit
  • Competitively low, unsecured rates for a wide range of personal, ongoing needs
  • Helps you balance the fluctuation in your monthly cash flow of income and expenses
  • Open-ended funding; meet needs immediately as they arise
  • Apply once, then conveniently withdraw thereafter; no need to apply for separate installments
  • Access funds any time online, by phone, or in person
  • No annual or prepayment fees
  • Local decision-making and processing
  • Helpful, member-first service throughout the entire process
Secured vs. Unsecured Loans

The major distinction between secured and unsecured loans is whether or not they require collateral backing.

Secured

  • Secured by funds establishing with Financial One:
  • Share account
  • Or share certificate
  • Potentially lower rates due to collateral backing
  • Keep your savings intact and incurring dividends
  • Thus reducing the actual cost of your loan
  • Flexible terms available

Unsecured

  • Requires nothing but a signature
  • Available to members with a strong credit history
  • Flexible terms available