Personal Loans
Escape the urge to wipe out your savings. Our personal loan options can suit any need with low rates and flexible terms.
Vacation Loans- It’s Time to Start Building Your Perfect Vacation.
Planning that vacation of your dreams but not sure if it's in your budget? We can help with that! Our Vacation Loan is offered year-round with rates as low as 8.90% APR* and in terms of 12 or 18 months. Borrow as little as $500 and up to $3,000.
Holiday Loans
We offer a seasonal Holiday Loan October 1st - January 31st. Borrow $500-$3,000 with rates as low as 8.90% APR* and you'll have 12 or 18 months to pay off the loan. You can also apply to refinance holiday credit card debt to reduce your rate and save!
Any Purpose Loans
Looking to consolidate some of your debt or make that special purchase? Whatever your need may be, our personal loan can fund it. Borrow up to $20,000 with terms up to 72 months, for any purpose.
EZ1 Loan
A quick option for when you need some extra cash. Our EZ1 Loan is a maximum of $2,020 (including the $20 application fee) with a term of 12 months. Other amounts and terms are available.
Members must have direct deposit and the account must be in good standing for at least 6 months (no NSF fees or over the allotted ODP program amount of $300). This loan includes a $20 application fee.
Tiers for Program (Min $500 – Max $2000)
$500.00 Maximum repayment 90 days
Up to $1,000 Maximum 6 months repayment
Up to $1,500 Maximum 12 months repayment
Up to $2,000 Maximum 12 months repayment
No credit report will be pulled to qualify members for this loan
All payments must be paid with direct deposit
payday alternative loans (pal loan)
Payday Alternative Loans FKA Short-term, Small Amount Loans are designed for Eagle One FCU’s members to use as a solution to the growing problem of payday lending practices.
Eagle One FCU will provide payday alternative loans (PALs) to members as an alternative to potentially predatory payday lenders. In developing a successful PAL loan program, we will consider how the program will help benefit a member’s financial well-being while considering the higher degree of risk associated with this type of lending. This policy outlines this loan program and potential options.
Payday Alternative Loan (PAL) – Option 1
Minimum Loan Amount - $200.00
Maximum Loan Amount - $1,000.00
Minimum Repayment Term - 30 days/1 month
Maximum Repayment Term - 180 days/6 months
Application Fee- $20.00
Interest Rate- 28% APR
Payment Protection- Not available
Membership requirement – 6 months
PAL 1 Details
50 basis points (0.50%) reduction for payroll deduction.
Must be a member for a minimum of 6 months.
Must provide two pay stubs or review of account to ensure consistent direct deposit from employer.
Credit report is not required However, all loans will be reported to the credit bureaus.
One PAL (Option 1 or Option 2) loan at a time
Payday Alternative Loan (PAL II) – Option 2
Minimum Loan Amounts - $200.00
Maximum Loan Amount -$2,000.00
Minimum Repayment Term - 30 days/1 month
Maximum Repayment Term - 365 days/12 months
Application Fee - $20.00
Interest Rate - 28% APR
Payment Protection- Not available
Membership requirement – 12 months
PAL 2 Details
50 basis points (0.50%) reduction for payroll deduction.
Must be a member for a minimum of 12 months
Must provide two pay stubs or review of account to ensure consistent direct deposit from employer.
Have Questions? Contact a loan officer today.
*APR=Annual Percentage Rate. Members can only have one personal, vacation and holiday loan at any given time. Members can refinance these loans if needed (certain restrictions apply). Members must provide proof of income with their application in order to be eligible for any loan. Rates are subject to change without prior notice.Loan approvals, rates, terms and amounts are based on the member's credit worthiness.
