Sometimes managing your day-to-day needs means having access to extra money. Because you can't predict the future, KeyPoint Credit Union offers you the opportunity to borrow money on the strength of your signature.
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Personal Loans |
Lines of Credit |
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Apply Now |
Apply Now |
| Amount You Can Borrow |
For a Loan, borrow from $500 up to $25,000. You have pre-determined monthly payments. |
For the Line of Credit, borrow from $1,500 up to $25,000. You pay the money back only when you use it. |
| Access to Funds |
Use the money to pay for whatever comes your way – emergencies, a special purchase, or planned expenses.
Extra money offers you peace of mind for health expenses, school tuition, and other unexpected needs.
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Use the money to pay for whatever comes your way – emergencies, a special purchase, or planned expenses.
Extra money offers you peace of mind for health expenses, school tuition, and other unexpected needs.
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| Minimum Monthly Payment |
Based on final loan amount, rate and term. |
Personal Line of Credit minimum payment is $25.00 or 2% of outstanding balance. |
| Annual Percentage Rates |
Rates as low as 7.20% APR* and terms up to 72 months. |
Personal Line of Credit is a variable Rate line based on the Wall Street Journal rate plus a margin.
Rates as low as 7.20% APR**
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| Additional Features |
You may be eligible for a rate reduction when you arrange to make your loan repayments through Direct Pay from a KeyPoint Checking or Savings account***. |
You may be eligible for a rate reduction****.
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Get Started and Apply Today
- Apply online for a line of credit or other personal loan or call (888) 255-3637 to submit an application over the phone.
- If approved, a loan representative will contact you to review rates, discounts, documents needed and schedule an appointment.
- Sign loan documents.
- Receive loan funds.
* The fixed Annual Percentage Rate (APR) is a sample APR. The quoted APR assumes excellent borrower credit history.
** The Annual Percentage Rate (APR) is variable and is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin. The quoted APR assumes excellent borrower credit history and is subject to minimum credit score requirements. The minimum monthly payment is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.
*** New Personal Loan rates may be reduced by a maximum total discount of .25% if you have Automatic Loan Payment from a KeyPoint Credit Union Checking or Savings account.
**** New Personal Lines of Credit rates may be reduced up to .75%.
- Automatic Payment Discount - .25% rate discount if you have Automatic Loan Payment from a KeyPoint Credit Union Checking or Savings account.
- Over Draft Protection Discount - .25% rate discount if you link your Personal Line of Credit as overdraft protection to your KeyPoint Credit Union checking account.
- Utilization Discount - .25% rate discount for NEW Personal Lines of Credit if you advance a minimum of 50% of the credit limit at the time of the line opening
Rates are subject to change. Certain restrictions apply.
Payment Examples:
Pay $44.87 per month per $1,000 borrowed at 7.20% APR for 24 months
Pay $36.02 per month per $1,000 borrowed at 17.75% APR for 36 months
Ask a KeyPoint Credit Union representative for a payment example on the loan type, amount and term you want.