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Personal Loans and Lines

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A personal loan or personal line of credit can be used for special life events, an unexpected expense or for whatever reason you need extra funds. You could lower your interest and spend less over time. See how a personal loan or a line of credit can help you!

See What’s Right For You

Personal Loan*

Our personal loan offers a fixed low rate, flexible financing options, and low monthly payments – exactly what you need to make that purchase or pay off those balances. Don’t get stuck paying high interest rates – apply and start saving today!

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Line Of Credit*

In case of an overdraft or unexpected expense, conveniently access funds with a personal line of credit. Money can be automatically transferred to your checking account to avoid overdraft fees or accessed when needed with a limitless number of transfers.

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Secured Loan*

Secure your loan with deposit funds. You’ll enjoy a lower interest rate on your loan while continuing to earn competitive dividends on your account. Rates for Secured Loans are among our lowest consumer lending rates. Borrow up to the amount on deposit (less $25 minimum deposit) in your Regular Share or Certificate Account with up to 120 months to repay.

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Emergency Relief Loan

Affected by the San Francisco Bay Area fires or COVID-19? A County Federal Emergency Relief Loan can provide up to $5,000, with 0% interest and no payments for the first 90-days, then a very low 1.00% interest rate with repayment terms up to 24 months. Subject to credit approval. Certain restrictions may apply.

Contact Us

Our friendly, knowledgeable Loan Advisors are here to answer your loan questions. Contact us directly at 408-282-0700 or 1-800-282-6212.

We’ll help make the loan process easy for you.

Resources

Rates

Don’t waste time shopping for rates. We have you covered with some of the most competitive rates on the market.

Insurance

Insurance protection is part of a solid financial plan.  We’ve partnered with TruStage™ to help you protect what matters the most.

Calculate Payments

Our free, easy-to-use financial calculators can help you to calculate payments, see how much you can afford, determine payoff amounts and more!

*APR= Annual Percentage Rate. Rates as low as 9.365% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 9.365% to 19.365% APR. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to Credit Union approval. Terms offered up to 48 months. Other rates and terms are available. All loan rates quoted above (excluding credit cards) include a 2% discount for automatic payments; if opting out of automatic payments add 2% to base rate Maximum loan term based on amount financed. Payment amount per every $1,000 borrowed at 9.365% for 48 months equals $25.07 per month. For more payment samples, use our payment calculator or call 408-282-0700.

If you are using a screen reader or other auxiliary aid and having problems using this website, please call 1-800-282-6212 for assistance.


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