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Personal Loans & Line of Credit

We all try to plan for whatever the future may bring. But, sometimes we need an extra hand to help reach our goals. HomeTown Credit Union’s Personal Loans and Personal Lines of Credit can help you pay for whatever you need.

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Unsecured Personal Loans

Use an Unsecured Personal Loan for virtually anything – for that once-in-a-lifetime family vacation, covering a large car repair, consolidating debt and more.

  • Competitive rates
  • Fixed terms up to 84 months
  • Borrow up to $20,000
  • Fast approvals
  • No collateral required — just your signature and good credit!

Personal Share Secured Loans

A Personal Secured Loan has the lowest possible interest rate because your loan is secured by what you already have on deposit at HomeTown.

  • Ideal for rebuilding or establishing credit
  • Use it for any purpose
  • Terms of up to 24 months
  • Fixed rates

Unsecured Personal Line of Credit

Keep some more peace of mind when it comes to your finances with an Unsecured Personal Line of Credit. These loans let you borrow what you need, when you need it with the convenience and flexibility of accessing it anytime.

  • Pay interest on only what you borrow
  • Repay only what you borrow
  • Low rates
  • Easily access cash through Online Banking, checks, debit card or at the teller line

Overdraft Protection

Protect yourself from checking overdrafts. Our Overdraft Line of Credit is meant to act as a safety net for when you exceed the balance that’s in your checking account.

  • No annual fees
  • Protects against overdraft and other fees