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!
Is it time for your next home improvement project? Use a personal loan to help you complete your next landscaping project, bathroom remodel, or finally upgrade those appliances you’ve been looking at all year.
Ready to take a mental break somewhere but not sure how you’re going to pay for it? A personal loan can help you get away on the vacation you really deserve.
Maybe your mental break was meant to be taken at home. You can use your personal loan for a new grill, a hot tub or a swimming pool. Make your home the place you want to spend your summer!
Use this as an opportunity to consolidate your debt after a hard year. With our low rates, you can work to get your finances on track.
Benefits of consolidating your debt:
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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 digital banking.
| 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 | 7.75% |
| Prime Line of Credit | $5,000 to $48,000 | Open ended | Prime + 1% |
| Overdraft Protection | $1000 to $2,500 | Open ended | Prime + 6.5% |