Personal Loans
Do Back to School Differently This Year

Low Rates + Low Payments = Better School Supplies

Back to school shopping can get expensive. Laptops, clothes, supplies, transportation, etc. You don’t want to pay for all that with a credit card. Why? The national average interest rate for credit cards is 16.06% APR⁹. Compare that to the lowest available rate on our Personal Loans of 5.88% APR².

If you want to pay less in interest over time, and make biweekly payments of only $24.10⁸, a Personal Loan is your best option.

Apply Online, Over the Phone, or at a Branch in 5 Minutes

or Call 800.845.5025

Lowest Available Rates
Accurate as of 7/20/2017

Active checking⁷ and automatic payments required to receive the above rates (excluding Savings Secured Loan).

Personal Loans

A Personal Loan is a set amount of money you can borrow to consolidate debt, cover bills, etc. It allows you to receive all the money at once and make monthly payments over the term of your choice.

Features

• Flexible Terms — We can build a loan that’s right for you.
• No Prepayment Penalty — It’s okay to pay off your loan early.
• One Business Day Approval — We’re not going to make you wait.
• No Application Fee — There’s no harm in applying.
• Biweekly Payment Option Available — Two biweekly payments equal one monthly payment.

Personal Lines of Credit

A Personal Line of Credit is a great solution if you have unexpected expenses. Our Flex and FlexPlus Lines of Credit are treated as a loan, so you only pay interest on the funds you actually borrow.

Features

• Multiple Interest Rate Adjustment Options — Flex Line of Credit adjusts monthly. FlexPlus Line of Credit adjusts quarterly.
• Flexible Line Amounts — Flex Line of Credit amounts range from $3,000 to $15,000. FlexPlus Line of Credit amounts range from $5,000 to $25,000.
• Low Payments — Minimum payments are 2% of the balance^3,4.
• No Collateral Required — You can feel safe about your borrowing.
• No Annual Fees — Less fees means more money in your pocket.
• Biweekly Payment Option Available — Two biweekly payments equal one monthly payment.

Fees

See our Fee Schedule for a list of fees you may encounter.

FAQs: You Asked. We Answered.

¹ APR = Annual Percentage Rate. 2.99% APR is our lowest available rate as of 6/20/2017. Borrow $10,000 at 2.99% APR for 60 monthly payments of $179.64 or $17.96 per $1,000 borrowed. Minimum loan amount $2,500. Maximum loan amount $20,000. Rate includes a 1% discount for active checking⁷, and a 2% discount for automatic payments. Other loan rates and terms available. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change.

² APR = Annual Percentage Rate. 5.88% APR is our lowest available rate as of 7/17/2017. Borrow $10,000 at 5.88% APR for 60 monthly payments of $192.77 or $19.28 per $1,000 borrowed. Minimum loan amount $2,500. Maximum loan amount $20,000. Rate includes a 1% discount for active checking⁷, and a 2% discount for automatic payments. Other loan rates and terms available. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change.

³ APR=Annual Percentage Rate. 8.74% APR is our lowest available rate as of 7/20/2017. Rate adjusts monthly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 18.00% APR. Rate is variable. Finance charge begins to accrue on the day and advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, Returned Payment Fee $29.95, and Incomplete/Unreturned Document Charge $100.00. No annual fee. Minimum loan amount $3,000; maximum loan amount $15,000. Payments are calculated on 2% of the outstanding balance. Other Personal Line of Credit rates and terms available. Your Personal Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Rate includes a 1% discount for active checking⁷, and a 2% discount for automatic payments. Other loan rates and terms available. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change.

⁴ APR=Annual Percentage Rate. 10.24% APR is our lowest available rate as of 7/20/2017. Rate adjusts quarterly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 18.00% APR. Rate is variable. Finance charge begins to accrue on the day and advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, Returned Payment Fee $29.95, and Incomplete/Unreturned Document Charge $100.00. No annual fee. Minimum loan amount $5,000; maximum loan amount $25,000. Payments calculated on 2% of the outstanding balance. Other Personal Line of Credit rates and terms available. Your Personal Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Rate includes a 1% discount for active checking⁷, and a 2% discount for automatic payments. Other loan rates and terms available. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change.

⁵ APR = Annual Percentage Rate. 4.25% APR is our lowest available rate as of 6/20/2017. Rate is fixed and is based on 4% over the current account APY. APY = Annual Percentage Yield. Borrow $10,000 at 4.25% APR for 60 monthly payments of $185.30 or $18.53 per $1,000 borrowed. No minimum loan amount. Maximum loan amount $100,000. Other loan rates and terms available. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change.

⁶ APR = Annual Percentage Rate. Maximum loan amount $10,000. Finance charge begins to accrue on the date an advance is made on the line. Overdraft Transfer fee of $8.95 applies to each transfer. No annual fee. Loan subject to approval and qualifications. Certain restrictions may apply.

⁷ Active checking is defined as having at least one (1) Direct Deposit of net pay, including salary, wages, government benefits, or pension made to the account each month; having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month; and electing to receive eStatements. ATM transactions not included.

⁸ Payment calculated at 5.88% APR with a loan amount of $2,500 for 120 biweekly payments. APR = Annual Percentage Rate. 5.88% is our lowest available rate as of 7/17/2017 for 60 months. 60 monthly payments of $19.28 per $1,000 borrowed. Minimum loan amount is $2,500. Maximum loan amount is $20,000. Actual loan repayment will be $24.10 biweekly. Other loan rates and terms available. Your loan is subject to approval and the rates are subject to change and may vary based on your individual credit, term, and relationship level. Rate includes a 1% rate discount for active checking⁷ and a 2% rate discount with automatic payments. All loans are subject to approval and qualifications. Certain restrictions may apply. Offer not valid on tuition expenses and interest is not tax deductible. Offer subject to underwriting. Offer does not apply to loans or credit cards currently financed at Connexus Credit Union. Offer subject to change or termination.

⁹ Annual Percentage Rate. The average national credit card rate according to www.creditcards.com is 16.06% APR. APR accurate as of 7/11/2017.