Personal Loans

These are secured loans where the item that you own or are purchasing is offered as security. Whether it is a car, truck, boat, RV, all-terrain vehicle, or any other purchased merchandise, we have financing options for you!

Qualifying members can apply for signature loans, which require no collateral, up to $50,000. However, signature loans will have higher rates than a collateralized loan. You receive lower rates on a collateralized loan because you are pledging the collateral to the credit union, during the term of the loan, in case of default.

Directly linked to your checking account, this line of credit provides ready access to cash and acts as an overdraft protection for your checking account.

Benefits Include:

• Saves money by having a low fixed rate.

• Saves time with a quick application and approval process.

• Gives you peace of mind.

• Helps prevent overdraft fees.

• No annual fee or prepayment penalties.

A Prestige Line of Credit links directly to your checking account, providing you with ready access to cash. This loan carries a low fixed rate, with a monthly payment of only 3% of balance ($20 minimum).

The benefits of a Prestige Line:

• Low 8.9% APR* fixed rate.

• Credit limits up to $65,000 for qualified members.

• Easy Access – simply write a check, use your debit card, or request an advance through Online Banking or Audio Teller.

* No annual fee or prepayment penalties.

Qwik Chek Loans are a line of credit that provide ready access to cash and can also be used as overdraft protection for your checking account.

You can choose a qualifying limit of up to $5,000.

Make advances/loans through Audio Teller or Online Banking, 24 hours a day. There are no transaction, activity, membership, or participation fees!

The monthly payment is dependent on your balance, check them out:

• Balance of $0 - $1,500 = payment of $50.00 a month

• Balance of $1,501 - $3,000 = payment of $100 a month

• Balance of $3,001 - $5,000 = payment of $150 a month

A type of collateralized loan, Share Secured Loans are secured by your savings on deposit at Wildfire. Savings that are equal to the declining loan balance have to remain on deposit in the specific savings instrument pledged.

IRA accounts cannot be used as collateral. Longer repayment terms are also offered with a variable interest rate.

These loans don't require any collateral at all! With limits up to $65,000 you can use the money for anything you'd like! These loans also have payment protection options to give you some peace of mind.