Personal Loans
Save More Than $6,500 in Interest* & 14 Years of Debt* by Consolidating With a Personal Loan

How a Personal Loan Can Clean Your Credit Card Debt

Here’s a common financial situation: You have $10,000 of credit card debt and make the minimum payment every month. Because of high credit card rates, doing that would take more than $8,000 in interest* and 19 years* to pay off! Just look how much time and money a Personal Loan could save you:

Get a rate as low as 5.88% APR* with promo code SPRINGSAVINGS. Start cleaning your credit card debt today.

Call 800.845.5025.

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.

Disclosures

^* A $10,000 credit card balance with the national average credit card rate of 16.62% APR (as of 4/6/2018 on www.creditcards.com) and minimum monthly payments of 3% of the balance takes 229 months and a total of $18,322.48 to pay off, assuming there are no additional advances or charges. A $10,000 Personal Loan with an interest rate of 5.88% APR and monthly payments of $192.77 takes 60 months and a total of $11,566.23 to pay off. The difference between $18,322.48 and $11,566.23 is a savings of $6,756.25. Enter promotion code SPRINGSAVINGS in the application process for the lowest available rate of 5.88% APR. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Rates subject to change. Offer valid 4/9/18 to 5/27/18.

¹ APR = Annual Percentage Rate. 2.99% APR is our lowest available rate as of 12/26/2017. 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. 8.99% APR is our lowest available rate as of 12/26/2017. Borrow $10,000 at 8.99% APR for 60 monthly payments of $207.54 or $20.75 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. 9.24% APR is our lowest available rate as of 3/23/2018. 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 an advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, and Returned Payment Fee $29.95. No annual fee. Minimum loan amount $5,000; maximum loan amount $25,000. 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. 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.

⁴ APR = Annual Percentage Rate. 10.74% APR is our lowest available rate as of 3/23/2018. 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 an advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, and Returned Payment Fee $29.95. No annual fee. Minimum loan amount $3,000; maximum loan amount $15,000. 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. 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.

⁵ APR = Annual Percentage Rate. 4.25% APR is our lowest available rate as of 12/26/2017. 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.