Loans & Credit Cards

Personal Loans & Lines of Credit

Personal Loan

The loan that fits your needs, your wants, your life.  Whether you’ve incurred an unexpected expense, looking to consolidate your debt or you're finally going on that dream vacation - we’ll help you cover it.

Our amazingly low fixed-rate makes our Personal Loan an affordable solution for anything and everything.

  • Low fixed rate - as low as 5.95% APR*
  • Terms up to 60 months
  • Loan amount up to $25,000
  • Auto-Pay option available
  • Quarterly eStatements available online, opt-in required
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

 

 *APR=Annual Percentage Rate.  Rates start at 5.95% APR.  Maximum APR 15.49%  Terms available from 12-60 months For terms of 60 months, estimated monthly payment of $18.41 per $1,000 borrowed. Minimum loan amount is $500.Rates and terms are subject to change without notice.  Offers of credit and rate based on credit score & other criteria.  Applicants who are not offered the lowest rate may be offered credit at a higher rate.  Auto-Pay requires automatic monthly payments from an active Sperry Checking Account.  Add 0.25% for non-Auto Pay loans.  Membership required. 

 

Personal Line of Credit

Access the money you need, when you need it and pay interest only on the amount you owe.  Our Personal Line of Credit is a great option for immediate access to cash whenever.  You can use your line of credit all at once or a little at a time.  For your convenience, your Line of Credit can serve as overdraft protection for your checking account – if you’d like!  Let us know and we can make it happen.

  • Variable rate
  • Revolving line of credit
  • Loan amounts up to $25,000
  • Auto-Pay option available
  • Quarterly eStatements available online, opt-in required
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

Shared-Secured Loan

Need to establish or rebuild your credit?  Want a low interest rate, too?  Consider our Shared-Secured Loan.

How it works. It’s simple.  You deposit money into a share account, which then acts as your loan’s collateral.  Those funds are “frozen”.  As you pay down your balance, the money is then “unfrozen” and released back into your share account.  Meanwhile, you’re building credit in the process.

Plus, since the loan is secured by your own funds we can give you a significantly lower interest rate and you will continue to earn competitive dividends on your savings.

  • Low fixed rate
  • Borrow up to 100% of available funds
  • Terms up to 60 months
  • Auto-Pay option available
  • Quarterly eStatements available online, opt-in required
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

Certificate-Secured Loan

Establish and/or build credit with a Certificate-Secured Loan.  When you put money into a Certificate account the funds act as your loan’s collateral.  The loan’s term is based on the Certificate’s maturity date.

  • Fixed rate
  • Borrow up to 100% of available funds
  • Term equal to the date the loan is funded to maturity of the Certificate
  • Auto-Pay option available
  • Quarterly eStatements available online, opt-in required
  • 24/7 account access with our FREE Online Banking or FREE Mobile Banking App

Apply

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