Personal Loans & Lines of Credit

Affordable financing for your plans

Whether you want to consolidate debt, pay for education expenses or fund an important life event like a wedding or new baby, our loans and lines provide the cash you need.

  Personal Loans Lines of Credit Secured Loans
Amount You Can Borrow $500 to $25,000 $1,500 to $25,000

Borrow against the money you have on deposit, while it earns dividends for you. Use any of the following as collateral:

Certificate Account
Savings Account
Personal Stocks

Minimum Monthly Payment Pre-determined monthly payments are based on the final loan amount, rate and term. $25.00 or 2% of the outstanding balance only when you use your Personal Line of Credit. Available as loans only (no credit lines) with pre-determined monthly payments based on the interest rate, loan amount and repayment term.

Find out how much you can borrow, without impacting your credit score

We'll let you know your potential borrowing limits and possible interest rate. And we'll do it without any negative impact on your credit score.

If you like the terms, you can apply quickly. Keep in mind, all loans are subject to full underwriting and credit approval, and the final terms may vary depending on credit product selection and other factors.

Start your prequalification process today.

What you need to apply:

  • Personal Loans and Lines of Credit
    • Valid government issued photo ID
    • Most current paystub (if requested)
  • Secured Loans
    • Valid government issued photo ID
    • Existing KeyPoint Savings or Certificate account
    • Most current paystub (if requested)
  • If you're applying for the Starting Point program, you'll need:
    • Most current paystub or signed offer letter
    • Valid government issued photo ID
    • Social Security Number
    • Verification of residence
    • Minimum 10% down payment

Rates

Personal Loans & Lines of Credit
Rates Effective: 4/24/20
Loan Type Loan Term APR Monthly Payment
Personal Loan ($500-$25,000) 12-72 months 8.20%-18.75% $17.63-$23.23 (for each $1,000 borrowed at the maximum term)
Personal Line of Credit ($1,500-$25,000) N/A 8.20%-18.75%* $25.00 or 2%**

*Rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table (the "Index") plus a margin.

**The minimum monthly payment is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.

Rates accurate as of 4/1/2021 and subject to change.

Certificate-Secured Loans
Rates Effective: 4/24/20
Title APR Amount Financed Term
*Certificate-Secured Loan Certif. Rate +2% N/A Certificate Maturity

Rates accurate as of 4/24/2020 and subject to change.

Share Account Secured Loan
Rates Effective: 4/24/20
Title APR Amount Financed Term
Share Account Secured Loan 2.49% $2,500 24 to 60 months
2.99% $2,500 72 months

Payment Example:
Pay $15.19 per month per $1,000 borrowed at 2.99% APR for 72 months

Rates accurate as of 4/1/2021 and subject to change.

Stock Secured Loan
Rates Effective: 4/24/20
Title APR Amount Financed Term
Stock Secured Loan 10.9% Max LTV 50% of current value 24 to 60 months

Payment Examples:
Pay $42.76 per month per $1,000 borrowed at 2.49% APR for 24 months
Pay $35.02 per month per $1,000 borrowed at 15.74% APR for 36 months

Rates accurate as of 4/24/2020 and subject to change.

All loans subject to credit approval. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice.