Personal Loans

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Rates

DescriptionAPR*
Signature Loan10.90%
DescriptionAPR*
PSLCalculate12.90%

Rates and information are subject to change at any time.

*APR denotes Annual Percentage Rate

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Courtesy Lien

We offer a Homeowner Courtesy Lien that may have some tax advantages. Since we can not give tax advice, please consult your tax advisor.

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Need to borrow money but don’t have collateral? No worries. We have two options for you, so you can get money for whatever you need. Both have competitive rates and an easy application process.

SIGNATURE LOAN

We call it a Signature Loan, but it’s really a personal loan that requires no collateral. Borrow up to $20,000, if you qualify, for whatever you need! You’ll get your money fast, and you'll have just one low fixed monthly payment.
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PERSONAL SERVICE LOAN (PSL)

This is actually a line of credit, giving you ongoing access to cash, up to your available credit limit. If you have PSECU’s Visa® and a PSL, you have one credit limit shared by both loans.
Full details...

Minimum $1,000 $500
Maximum $20,000 $20,000
Funds Availability Funds released upon our receipt of signed Activation Letter Access to funds begins upon our receipt of signed Activation Letter
Access to Your Money* Total Approved amount deposited to your PSECU Checking account or a check is mailed to you.
  • Up to $500 cash daily, using your Check Card
  • Advance/transfer through online banking
  • Advance using the Self- Service Telephone
  • Choose as a PSECU checking overdraft option
  • Call or write us
Repayment
  • Original amount up to $5,000 - $100 per month or $50 bi-weekly
  • Original amount over $5,000 to $10,000 - $200 per month or $100 bi-weekly
  • Original amount over $10,000 to $15,000 - $300 per month or $150 bi-weekly
  • Original amount over $15,000 to $20,000 - $400 per month or $200 bi-weekly
$20.00 per month or $10 bi-weekly per $1,000 loan balance at the time of the loan advance.
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*Once funds are advanced, interest begins to accrue immediately.