U & I are teammates for life, so we’ll be here to help you make ends meet with a personal loan or line of credit when life requires a little more funding than what you have on hand. You can use a personal loan or line of credit for special purchases, unexpected expenses, a vacation, life events like weddings, and more! We offer fast approval decisions and step-by-step local service with no application fee and no annual fee. You can also use digital banking to make your payment online. It’s our way of making your life easier!
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You can use a personal loan for just about anything, even to consolidate your current debt at a lower rate. An Unsecured Personal Loan gives you access to the funds you need without any requirement to secure your loan against an account or other collateral. An unsecured personal loan is a great option for those with good credit ratings.
Do you need a loan and want to get a lower rate or need to build (or rebuild) your credit? Borrow against the funds you have in your Share Savings Account or Certificate! Securing your loan against your own account is a smart way to get the funds you need without actually spending the money you have in savings.
Enjoy the flexibility of borrowing different amounts over time at a super low variable rate. The minimum advance is $100. You only have to apply once, and you’ll be able to access funds quickly and easily when you need them, in person or any time via iBranch online banking.
Enjoy the confidence of knowing you won’t accidentally overdraw your checking account! An Overdraft Protection Line of Credit automatically covers overdrafts for you. You can also use it to write yourself a small loan or cover emergency expenses.
| Type | Available Amount | Terms up to: | APR* as low as: |
|---|---|---|---|
| Share Secured Personal Loan | equal to amount in savings or shares up to $180,000 | 60 months | 6.5% |
| Certificate Secured Personal Loan | Equal to amount of CDs up to $180,000 | Equal to remaining term of certificate | 6.5% |
| Unsecured Personal Loan | up to $48,000 | 60 months | 5% |
| Prime Credit Line of Credit | $5,000 to $48,000 | Open ended | 7% |
| Overdraft Protection | $1000 to $2,500 | Open ended | Prime + 6.5% |
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* APR stands for Annual Percentage Rate. Rates effective as of 04/01/2021.
All loans subject to credit approval. Other restrictions may apply. All terms and conditions are subject to change at any time without notice.
For lines of credit, no interest is charged until the funds are used. Minimum credit score of 700 and a minimum gross monthly income of $2,500 required for Prime Credit line of credit. Prime Credit line of credit has a variable APR of Prime + 1.00% with a floor of 7.00%. Overdraft Protection line of credit has a variable APR of Prime + 6.50%. Other restrictions may apply.
Disclosure information is accurate and effective as of 04/01/2021 and is subject to change. To inquire about changes in these disclosures, call toll free 877-678-4328.
