Personal loans & lines of credit

  • No collateral is needed for Personal (Signature) loans or lines of credit.
  • A Personal loan has a fixed term for repayment.
  • A Personal line of credit can be reused over and over, as you need it. If you regularly apply for personal loans, open a line of credit.
  • Check our current rates and terms.

Tuition loan

  • Our Tuition loan is a good choice if you don’t qualify for government loans.
  • Borrow up to $10,000 and repay your loan in 48 months or less.
  • Check our current rates and terms.

Share Secured loan

  • Your share deposit accounts (excluding IRAs) can be used as collateral for a loan.
  • Rates are 2.00% APR above the last declared quarterly dividend (minimum 3.00% APR).
  • Take up to 60 months to repay. Longer terms are available based on the loan amount.
  • Your savings continue to earn dividends based on the whole balance of your account.
  • Check our current rates and terms.

Personal Lending Rates

Information effective March 1, 2024.
TypeTermAPR* as low as
Personal Loan* up to 60 months12.49%; includes 0.25% APR* automatic loan payment discount.
Share Secured Loan**up to 60 monthsDividend + 2.00%
(Minimum 3.00%)
Personal Line of CreditRevolvingPrime*** + 5.00%
*APR = Annual Percentage Rate. Rates quoted are the lowest available ("as low as"). Actual rate may differ and depends on the applicant's and/or co-applicant's credit history. Rates are subject to change. Please contact the credit union for the most current and up-to-date rates.
** Borrowed amount may not exceed amount in savings or certificate. IRA accounts not permitted for this type of loan. Longer terms available depending on amount borrowed.
*** Prime rate as published at The equity loan rate is subject to change on the first day of the quarter (January, April, July & October) following a change in the prime rate.

Borrowing at your credit union is personal. Talk confidentially with a Loan Officer, who will discuss the best borrowing solution for your situation.

Apply for a Loan

Make your loan payments online, by payroll deduction (not available for Ascension Saint Agnes employees), bringing your coupon to a branch, or by mail. Or, to set up automatic loan payments from your other accounts, please call or visit a branch.

Credit Life and Disability

When you apply for your loan or line of credit, ask your Loan Officer about Credit Life and Credit Disability insurance.