Personal Loans & Lines

Make amazing things happen. Get the cash you need quickly and easily to finance home repairs, a family vacation, invest in education, or consolidate debt.

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Holiday Signature Loan as low as 8.99% APR.1

Plus, make $0 payments for 90 days.2 Light up your holidays!

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Find the personal loan or line of credit that works for you.

Signature Loan

Flexible terms and fixed rates make our Signature Loan an easy choice.

As low as

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APR1

Advanced Line of Credit

Enjoy easy access to a higher line of credit with low variable rate.

You Pay
Zero
Application Fees

  • Available access of $500 to $30,000
  • Variable interest rate4
  • Manage within Digital Banking

Credit Builder Loan

Improve your credit score while building a savings with this low fixed rate loan.

Get a Low
Fixed
Interest Rate

  • No application fee
  • Improved credit score

Share/Certificate Loan

Lock in a lower rate by securing your loan with your Savings.

Up To
60-Mos
Term5

  • Low fixed rate
  • No application fee

Estimate your personal loan or line of credit payments.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

Are you looking to consolidate debt with your personal loan?

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Not sure which personal loan option works best for you?

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  1. Annual Percentage Rate of 8.99% for thirty (30) months is for new Advia loans and loans transferred from outside institutions into a $2,500 or more Signature Loan. No more than 50% of aggregate refinanced loan amount may be currently held with Advia. All promotional rates and offers are effective October 17 – December 31, 2024.
  2. Interest begins to accrue at time of disbursement.
  3. Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. Rate and terms may be based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. Must be 18 or older to apply. All loans subject to approval.
  4. Variable rate product and Annual Percentage Rate may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. APR is equal to: as low as Prime +3.75%.
  5. 12–60-month term based on the CD term. Fixed Annual Percentage Rate. No downpayment required. Estimated monthly payment for $10,000 loan for 48 months at 4.00% APR is $225.81. Loan rate is 2% above existing CD rate; however, rate cannot be lower than floor rate. A full payment is due monthly; cannot come from a Savings Pledge.