Apply for a Personal Loan – Current Members

Start Your Application

Before you begin 

Before you start your application, here are a few things you need to know:

  • Allow at least 20 minutes to complete this process.
  • You can save and resume this application later, if needed.
  • To apply online, you must be at least 18 years old and have a current U.S. mailing address and Social Security number (SSN).
  • When you apply for a loan or credit product, you authorize us to check your credit history. 

You’ll also need the following information for both yourself and any joint account applicants:

Gross annual income and source(s) of income

Previous home address if you have lived at your current home address less than two years

How to apply in online banking

Instead of starting an application (above), you can also apply for a loan or credit card in online banking. Here’s how:

Log into online banking.

On the Balances page, choose “Add A Loan or Credit Card.” 

Select the product for which you wish to apply and follow the online instructions.

Credit Application FAQs

If you apply online or by phone, we may be able to give you an answer within minutes. However, we sometimes need additional information before we can make a decision. 

Call us Monday-Friday, 8 a.m. to 9 p.m. (ET), and Saturday, 9 a.m. to 5 p.m. (ET), at:

  • 800.237.7328, nationwide (USA)
  • 717.255.1760, outside the USA; not a toll free number; normal charges apply

You can also check your status by resuming your application. We’ll notify you of our decision within several days of your application.

Yes! A co-applicant should apply with you when you sign up for your credit card. We’ll need current identification, plus income and contact information for both you and your co-applicant. 

You can also add an authorized user, which is someone you allow to use your credit card account but who isn’t a legal account owner.  

You need to be the primary cardholder in order to add an authorized user to your credit card account.
Once you’re approved, expect your card to arrive by mail in 7 to 10 business days.