Personal Loans

Secured Loans

The Credit Union offers personal loans “secured” by funds on deposit or with a specific item as collateral already owned such as an auto, boat, or other qualifying personal property.

Savings/Certificate Loans are secured by money already on deposit with the Credit Union in a savings or certificate account. It offers a low variable rate, and funds on deposit will earn dividends based on the balance of the savings or certificate account. A savings or certificate loan is a great way to build or rebuild credit.

Signature Loans

Signature loans can be obtained for a variety of reasons such as vacations, furniture, appliances, or car repair. The Credit Union offers a low fixed rate for 12- and 24-month terms. Approved limits are based on credit and financial soundness.



EFFECTIVE 01-23-2018

Signature Loan

Variable rates as low as...



Savings Secured 

Variable rates as low as...



12 months

Fixed rates as low as...




TERM: 12 months

PAYMENT: $85.16

24 months

Fixed rates as low as...




TERM: 24 months

PAYMENT: $44.33

APR = Annual Percentage Rate. Payment per $1,000 is for example purposes only. Rates listed are the lowest rates available for each loan product. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. To determine your actual rate, please contact any branch.



There is no way to predict an injury, illness or an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected were to happen to you. Credit Disability and Credit Life Protection may help make your loan payment to make life easier for you and your loved ones.

Credit Life Protection safeguards loved ones in the event of death by paying off the remaining balance of the auto loan. Credit Life is available to members and joint borrowers of a loan. Coverage is effective through age 69, covers the loan balance up to $100,000 and a maximum term of 120 months.

Disability Protection is available to members and joint borrowers of a loan. When disabled and unable to work, this protection helps pay monthly payment obligations. Coverage is available to members through age 65, covers the loan payment up to $1,000 per month and a maximum term of 120 months.

Credit Disability and Credit Life Protection work in two different ways. You and your family may not have to make loan payments if you are totally disabled due to a covered injury or illness. It may help pay your loan until you are no longer totally disabled, or in the event of your unexpected death, it may help pay off the loan. Savings, salary or payoffs from other insurance may be used for other important things, giving your family financial freedom when they need it most.

Premiums for Credit Life and Disability Protection may be included with your monthly loan payment. No physical examination is required, but a few health questions may need to be answered to determine eligibility. Coverage can be canceled at any time. If canceled within the first 30 days, you will receive a full refund if the premium has already been paid.

For more information, call (865) 544-5400, (800) 467-5427,  or visit any branch.

Guaranteed Asset Protection (GAP) provides additional coverage above and beyond auto protection. If your vehicle is stolen or totaled, the majority of insurance companies will only pay up to the book value of the vehicle, leaving you to pay the difference. GAP would cover that difference: between what the insurance company pays toward the loan, what is left of the loan balance, and the deductible up to $1,000. GAP through the Credit Union also provides $1,000 toward the purchase of a replacement vehicle if financed through the Credit Union within 90 days.

For more information, call (865) 544-5400, (800) 467-5427,  or visit any branch.

Loans 101: A Guide to Understanding Loans

Skip-A-Payment – Allows qualified members to skip up to two payments in a 12-month period by paying a small fee of $35 per payment skipped. Skip-A-Payments are not available on a mortgage, line of credit, home equity line of credit, or credit card. Account must be in good standing, and all loans must be current.

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