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personal loans and our flexline of credit

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personal loan

Our personal loan (also known as a signature loan) allows you to borrow for vacation, new furniture, to consolidate bills or other personal needs.

It’s the perfect loan for any need. Your credit history and income will determine how much you can borrow.

  • Borrow up to $20,000, depending on the applicant’s income.
  • Terms available up to 60 months.
  • Convenient repayments options available with payroll deductions and direct deposit.
  • Normal credit terms apply.

flexline of credit

Life is full of challenges. To face them, you have to be flexible. Our flexline of credit is just another way of knowing at Service 1st, we have your back. Whether it’s one of life’s ups or one of its downs, our flexline is there with the funds you need when you need them. Heading out on a well-deserved vacation? Replacing your ten-year-old refrigerator? This line of credit is a great extra source of funds to cover expenses and purchases as they arise, and as overdraft protection to cover checks clearing against your checking account.

Our flexline offers the support you need with great, low variable rates.*

What makes it even better is the fact that you only have to apply once!  Then you can relax knowing you have money available when you need it. There is no need to come back to the credit union and re-apply each time you need money and your credit limit is set at the time of application.

Our flexline of credit features:

  • Lines of credit available up to $20,000!
  • No annual fee.
  • Competitive variable rates.
  • Payment based on 3% of outstanding balance, recalculated monthly.
  • Payments due on the 28th day of the month.

Normal credit terms apply.

personal & secured loans:


ProductAPR*
signature / unsecured (rates as low as)7.99%
line-of-credit**9.00%
overdraft protection9.00%
VISA® platinum (rates as low as)**10.74%
share secured (above share rate)3.50%
certificate secured (above certificate rate)3.00%

*The APR is current as of 7/1/2018. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.

**Variable rate, subject to change monthly. This rate varies with the market based on the Prime Rate published in the Wall Street Journal.