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Consumer Loans

SCU Credit Union offers consumer loan products at competitive rates and flexible terms. So if you need some extra cash for an emergency repair or a vacation is desperately desired for some well-deserved rest and relaxation, our experienced member service representatives can help you find the right lending solution.


Unsecured Personal Loan

Consolidate debt or make a major purchase by taking a SCU Credit Union unsecured personal loan.  Apply today and have the check in hand in as little as 24 hours.

Secured Loan

Borrow against your SCU Credit Union savings.  Guarantee your loan approval and establish credit at the same time. We offer share secured loans from 6 months to 60 months.  The rate is 3% above the interest rate earned on your share account or certificate of deposit.  The maximum loan amount cannot exceed 90% of the account being pledged as collateral.  A certificate of deposit may be the security for a loan up to its maturity date.

  • Loan approval is guaranteed up to 90% of the account being pledged as collateral
  • Funds are available immediately upon receipt of application or signed request
  • Members have access to funds without withdrawing savings from their account
  • Calculate a loan payment >>
  • Apply >>

Overdraft Protection

Write yourself a loan as needed by establishing a line of credit to protect your checking account from overdrafts. Your line of credit will be automatically accessed when a check is written that exceeds your account balance.

  • $300 minimum to $1,500 maximum credit limit
  • Fixed interest rate
  • Protection for MyFree Checking, MyGreen Checking, and MyInterest Plus Checking
  • Write checks that exceed your checking account balance
  • Interest is calculated on the outstanding balance only and not on the credit limit

Apply >>