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Personal Loans and Lines of Credit

Consumer Loans

Woman at home high fives her golden retriever..

Consumer Loans

Ready for All of Life’s Moments

We offer a wide variety of personal loans and lines of credit to fit your lifestyle. Made just for our people and this place.

Signature Loans

Our Signature Loan¹ is an unsecured, closed-end personal loan that can be used for many purposes, including debt consolidation, home improvement, education or a dream vacation. Terms are up to 60 months.

Share Savings Secured Loans

This low cost loan is a good way to establish credit. Your savings account continues to earn dividends while you establish a loan repayment history.¹

  • Loan is secured by funds in the share savings account
  • Borrow the value of the savings account, less the $5 minimum balance
  • Rate is 3% over the share savings rate, or 4%, whichever is greater
  • Terms up to 60 months

Signature Line of Credit

This is an open-ended, unsecured line of credit that lets you continually borrow funds up to your approved credit limit. The flexibility of borrowing only when you need it great for unplanned emergencies or unexpected expenses.¹

Share Certificate Secured Loans

Secured by funds in an individual share certificate (excluding IRAs or other tax sheltered certificates), this loan continues to earn dividends while you pay it down.¹

  • Borrow up to 100% of the share certificate value
  • Rate is 3% over the certificate rate, or 4%, whichever is greater
  • Terms up to 60 months or up to the remaining term of the share certificate

Affordable Rates

Fast Approvals

Local Lender

Personal loans can help when you need to cover your planned and unplanned expenses.

Flexible financing starts here.

You can apply in Online Banking, by phone at 805-543-1816 or at any branch.

Boy holding lamb he is taking care of, thanks to a Youth Agricultural Loans.

Youth Agricultural Loans

This unique loan helps young members get started on their next animal project.¹

  • Borrow up to $1,500 for a one-year term
  • Make one payment of principle and interest
  • Payment due in full in 12 months or when the animal is sold
  • Requires a parent as co-signer

    Computer Equipment Loans

    Finance your new computer, printer, scanner, and other peripheral equipment. ¹

    • Borrow up to $5,000
    • Terms up to 36 months
    • Merchant invoice required
        *APR = Annual Percentage Rate.
        1. All loans subject to credit approval and other underwriting criteria; not every applicant will qualify. APR and terms vary based on credit worthiness, and other conditions. Rates, terms and conditions are subject to change without notice.

        Financial Education

        From the News+ Blog

        Complete Your Loan or Forms With DocuSign

        Complete Your Loan or Forms With DocuSign

        DocuSign is a secure, convenient way to sign and complete your loan paperwork from the comfort of your home or on the go. After you apply for your loan online, a Loan Processor will be in contact shortly to get you started. You can also use DocuSign to manage your account — such as filing a travel notification or putting a stop payment on a check. Select the DocuSign option from our Forms page, and enter your email address. Your confirmation email will launch the DocuSign process.

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