Personal & Convenience Loans Additional funds when you need them...

Personal Loans (fixed)

as low as

7.99 % APR*

Share Secured Loans

as low as

4.50 % APR*

Gateway Line of Credit

variable rate

27.99 % APR*
Family in kitchen with dog

Convenience Loan Options

  • A Gateway Line of Credit Loan has NO credit score requirement
  • Personal Lines of Credit for when you need cash for unexpected expenses, any time!
  • Loans with shorter terms and lower balances
  • A Share Secured option can help re-build (or build) your credit
  • Access credit lines with Online Services – simply log-in and transfer the funds into your corresponding checking account and use your Visa® Debit Card to make purchases, or withdraw the funds from an ATM.
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gate•way (n.):
Something that serves as an entrance or a means of access.

Provided as a payday loan alternative with a much lower rate, a Gateway Line of Credit1 doesn’t require a minimum credit score, but once you have it and make regular payments it can help improve your score, or get you started off on the right foot if you didn’t have any credit to begin with.

Maybe you need a quick loan to get some car repairs done; maybe you need to cover some unexpected medical expenses; maybe you just need help getting from one paycheck to the next. Regardless of the reason, our Gateway Loan is designed to make sure you have the funds when you need them.

  • $500 line of credit
  • $50 minimum monthly payment
  • No minimum credit score required
  • No advance fee when accessed through ATM withdrawal or Online Services transfer.
    Apply Online Now!
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    • Gateway Line of Credit Disclosures

      1Additional Gateway Line of Credit Details: $5 monthly service fee if balance is greater than $5.00 (up to $60 annually); $5 advance fee when done through the Call Center or branches; loan approval requires an electronic deposit (payroll, government, ACH, etc.) of at least $100 for three consecutive months; applicant cannot have a current negative account or delinquent loan.

    Personal Lines of Credit

    When you need additional funds from time to time, and don’t want to be restricted by a specific term loan, a line of credit ensures the money you need is available when you need it. A Line of Credit is perfect for annual expenses that can be paid off sooner, like taxes, vacations, and regular home repairs and expenses - the Line of Credit stays open for as long as you need it.

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    Personal Loans

    If your needs aren’t covered by the traditional loan options we offer, a personal loan is the way to go. You can borrow as little as $500 to cover an unexpected expense, plan a vacation with your family, make necessary auto or home repairs and more!

    Apply Online Now!

    Share or Certificate Secured Loans

    If you might not qualify for a traditional loan, you can use the money you have saved to give yourself a loan. Borrow against your savings and continue to earn dividends on your balance throughout the term of your loan!

    Apply Online Now!