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Personal Loans
Fiscal offers a wide range of personal loans designed to meet your unique financial needs.
To apply for a personal loan, click here.
Line of Credit
Need convenient access to cash? Fiscal's revolving Line of Credit account offers a credit limit of up to $15,000. Once your account is established, you can obtain advances without having to reapply each time. This loan can be used for any purpose and payments can be made through Payroll Deduction, Direct Deposit, ACH or by mail.
Signature Loans
With a Signature Loan, which can be used for debt consolidation, you may borrow up to a maximum of $15,000. Loan approval, amount, and rate are based on your personal credit profile and Fiscal Credit Union's lending policies. Members can use this loan for any purpose. Loan payments can be made through Payroll Deduction, Direct Deposit, ACH, or by mail.
Share Secured
Start establishing or re-establishing your credit with a Share Secured loan from Fiscal. This affordable loan, which does not require a credit report, offers a competitive fixed rate, which is ideal for keeping your savings intact when making a purchase. With a Share Secured loan, your savings account is used as collateral against the outstanding balance of your loan. This feature allows you to maintain and continue earning dividends on your savings account. And you can choose to pay off your loan in monthly payments or pay it in full at the end of a dividend period. Loan payments can be made through Payroll Deduction, Direct Deposit, ACH, transfer from shares or by mail.
Certificate Secured
A Certificate Secured loan is similar to a Share Secured loan. With this loan, the funds in your Term Certificate are used as collateral against the outstanding balance. You can take advantage of the low interest rate on your loan, while your Term Share Certificate continues to earn dividends. Members may choose to pay off the loan in monthly payments, or pay it in full without incurring any early payment penalties. The term of the loan is tied directly to the maturity date of the Term Share Certificate. For monthly repayments, you must refinance the loan at a new loan rate when your certificate matures and renews for another term. Loan payments can be made through Payroll Deduction, Direct Deposit, ACH or by mail.
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