When you have a chance to do something big—remodel your kitchen, take a dream vacation or finally pay off your high-interest debt—a Personal Loan is your ticket to ride. Dealing with an unexpected emergency and need some cash? A Personal Loan is there to help and often at a far lower rate than predatory payday loans.
You dream it, a Personal Loan can make it reality. 
Borrow knowing you're covered. To apply for a Cross Valley FCU Secured Loan contact the credit union or or visit a Cross Valley FCU branch location nearest you.
Enjoy a significantly lower interest rate when you secure your loan with your Cross Valley Share Savings or Share Certificates. The money you already have in these accounts acts as collateral, allowing you to easily borrow money with the assurance of an asset tied to the loan. Even with your money used as collateral, they’ll still continue to earn you interest!
| Type | Term | APR¹ |
|---|---|---|
| Personal Loan (unsecured) | 0-36 months | 7.50% |
| Personal Loan (unsecured) | 37-48 months | 7.50% |
| Personal Loan (unsecured) | 49-60 months | 7.50% |
| Personal Loan (share-secured) | Up to 180 months | Share rate +2.00% |
| Personal Loan (certificate-secured) | Up to 180 months | Certificate rate +2.00% |
| Personal Line of Credit | Revolving | As low as 8.50%³ |
We’ve got plenty of other rates and terms available.
Unlock financial flexibility with Cross Valley’s Personal Line of Credit (PLOC). Enjoy low-interest rates, no hidden fees and easy access to funds when you need them. It’s a smarter, cost-effective alternative to high-fee credit cards, giving you the freedom to manage expenses without the financial strain.
Simply put, a Personal Line of Credit can buy you some serious financial breathing room. Access funds as needed for unexpected expenses, necessary repairs and other emergencies.
“The awesome thing about our Personal Line of Credit is that you can apply once and get the money whenever you need it, only paying interest on the amount you owe.”
Jill McGlynn, Chief Experience Officer
With interest rates as high as 400% and super short windows to repay the loan, payday lenders can be really bad news, especially if you’re in a tight financial spot to begin with. They often lead to a cycle of debt that’s tough to escape.
On the other hand, Personal Loans offer a far more affordable loan option with repayment terms that work with your schedule—not against it. Interested in learning more about this awesome loan product? Reach out to one of our Certified Financial Counselors today.
If you’re not yet convinced that a Personal Loan is the best option for life’s various expenses, let us break it down for you in five simple reasons:
APR = Annual Percentage Rate. APRs are as low as the rates advertised above and include a 0.25% APR discount for automatic withdrawal of loan payment each month. Rates are for qualified borrowers who meet certain credit criteria. Payment example: $87.16 for $1,000 borrowed at 10.75% APR for 12 months. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact credit union for full loan details.
Maximum loan amount is $25,000. For loan amounts over $15,000, the maximum term is 72 months, and the rate is as low as 13.75% Annual Percentage Rate (APR). Your actual rate will vary depending upon your credit worthiness. Other rates and terms are available. Offer is subject to change without notice. Payment example: for a 72-month term at 13.75%, the monthly payment will be $20.59 per $1,000 borrowed.
APR=Annual Percentage Rate. APR is variable and based on Wall Street Journal Prime Rate, plus a margin. APR may change after account opening. Rates current as of 10/01/2024. Minimum $1,000.00 borrowed required with minimum $25.00 draw amount. Loan account, rate, and conditions are subject to credit approval and may change without notice. Membership required and upon qualification.
