Personal Term Loans

Personal Term Loans

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Flexible Personal Term Loans Built for Your Life


Whether you’re planning for unexpected expenses, tackling a big project, or simply want financial flexibility, SMW Financial Credit Union offers personal term loans and lines of credit with competitive rates and terms that fit your budget. Choose the option that works best for you — from fixed monthly payments to a revolving line of credit — and enjoy the benefit of local decision-making, friendly service, and funding that moves at your pace. Apply online or visit us in Lino Lakes or Maplewood to get started today.

 

Share Secured Credit Card: Build Credit While You Shop

Looking for a smarter way to spend this season? Our Shared Secured Credit Card is designed to help you build or rebuild credit with confidence — and with competitive rates, no annual fee, and the power of a VISA. It’s perfect for holiday purchases now and financial growth in the year ahead.

  • Secured by your SMW share savings

  • Competitive APR and standard VISA benefits

  • Helps build or rebuild credit responsibly

  • Auto-pay and an SMW checking account required

 

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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 $10,000
  • 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 
Summer Personal Loan Special
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