Personal loans are designed to be flexible, because life is filled with surprises and unexpected expenses. Whether your child needs braces or your car needs repairs…you have the opportunity to take the vacation of a lifetime or just want to consolidate your existing bills, personal loans give you options with competitive rates and affordable payment terms.
Easy Access Line of Credit (LOC)
Having money at your fingertips has never been easier. Personal loans extend to the Easy Access Line of Credit. It's perfect for use as overdraft protection for your checking account or as an instant source of cash for repairs, travel, or other special purchases. You can use your available funds when you wish, however you wish.
Secured Loans
Want a perfect way to build credit and save money. It's easy with a share secured loan from White Sands Federal Credit Union. You will pay 2% above the share account rate that secures the loan. The entire process is easier than you may think. We offer automatic approval, and an option for automatic payments.
Personal Loan Rates
APR*: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
*Rates and terms may vary. Subject to credit approval.
| Type | Term | APR* as low as | APR* as low as Loyalty Plus & Online Application Discount |
|---|---|---|---|
| Signature | Up to 60 months | 12.00% | 11.40% |
| Line of Credit | Revolving | 12.00% | 11.40% |
| Share Secured | Varies | 2.00% above dividend rate | N/A |
| Share Certificate Secured | Varies | 2.00% above dividend rate | N/A |
