Unsecured Lines of Credit

Unsecured Personal Loan / Loan of Credit

We offer unsecured signature loans or lines of credit for up to a 60-month term. These loans will have funds added into your account or disbursed to you directly. The loan may be used for debt consolidation, vacations, home improvements or any other special needs you may have. Individual credit limits of up to $12,500 are established when the member initially applies for the loan and is based on the individual’s credit history and ability to repay the debt. The amount of the payment will be determined by the balance of the loan and the rate in effect after an advance is taken.


Santa’s Helper Loan

Loan AmountRate APR*TermProcessing Fee
$1,000.000%12 Months$45.00
$2,000.000%12 Months$90.00

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*APR – Annual Percentage Rate. Quoted amounts and terms are based on members credit score and affordability. Minimum loan amount is $1,000.00, maximum $2,000.00. The amount will be determined by overall credit history and affordability. Rates subject to change without notice. Cannot be combined with any other discounts. Must meet standard underwriting guidelines. The monthly payment for $1,000.00 borrowed for 12 months at 0.00% is $87.57. The monthly payment for $2,000.00 borrowed for 12 months at 0.00% is $166.67. Loan must be paid in full within 12 month period. No prepayment penalties apply. Membership eligibility criteria: any person who lives, works, attends school, worships, and has business in any other legal entities in the following counties: Antrim, Benzie, Charlevoix, Grand Traverse, Kalkaska, Leelanau.