RatesCalculator

Get the money you need to move your life forward with flexible financing options from SMW FCU.

Details
  • Low rates and flexible terms for a variety of personal needs:
    • Vehicle repairs or updates
    • Family vacations
    • Weddings
    • Personal projects
    • And more!
  • Apply for up to $10,000
  • Automatic payments available from your SMW FCU checking or savings account
  • Consider refinancing your existing personal loans for better terms
  • Local decision-making and processing by your community credit union
  • Attentive, friendly service from start to finish
Lines of Credit
  • Variable rate with a revolving line
  • Apply for up to $5,000
  • Pay interest only on funds you use
  • Reuse funds as needed — no need to reapply
  • Can be used as overdraft protection
  • Automatic payments available from your SMW FCU checking or savings account
  • Consider refinancing your existing personal loans for better terms
  • Local decision-making and processing by your community credit union
  • Attentive, friendly service from start to finish
Secured Loans

Secured loans are a great option for SMW FCU members. Because your loan is backed by your savings account or CD, you can lock in more competitive rates than traditionally found with most unsecured loans. Learn more about each loan below, and then apply online!

Savings Secured Loans

  • Financing up to 100% of the available balance
  • Any deposit account can be used to secure a loan except an IRA
  • Automatic approval
  • Funds disbursed immediately
  • Both monthly payment and single pay notes are available
  • Maximum term is 12 months

Certificate Secured Loans

  • Financing up to 100% of the available balance
  • Any certificate of deposit account can be used to secure a loan except an IRA
  • Automatic approval
  • Funds disbursed immediately
  • Both monthly payment and single pay notes are available
  • Maximum term is the same term as the pledged certificate