Personal Loans

Escape the urge to wipe out your savings. Our personal loan options can suit any need with low rates and flexible terms.

Holiday Loans

We offer a seasonal Holiday Loan October 1st - January 31st. Borrow $500-$4,000 with rates as low as 8.90% APR* and you'll have 12 to 24 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.

 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. PAL loans have specific stipulations as detailed below. PAL loans cannot be refinanced at any time.

 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.  

 

Apply For A Personal Loan

Have Questions? Contact a loan officer today.

*APR=Annual Percentage Rate. Members can only have one personal 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.