Personal Loans

Personal Loans

Get the financing you need for almost anything with a personal loan from Bay Area Credit Union. From a dream vacation to a dream wedding, we are here for you with competitive rates, local decisions, and exceptional service.

Our loan program is one of the major reasons our members trust their financing to Bay Area rather than to an impersonal mega bank. You have dreams, we have answers!

View our current rates.

Fixed Rate Loans
  • Competitive fixed rate that never changes
  • Paid in one disbursement
  • Easy repayment options
  • Set payment with no surprises
  • Automatic payments may be made from your Bay Area account or from another financial institution
  • Payment protection plans
  • Local decisions for fast processing
  • Manage your loans via It'sMe247 banking, mobile banking, or by phone
Line of Credit

At Bay Area Credit Union, you can have funds available when you need them, with a competitive rate and no annual fee. With no collateral required, and no balance transfer or cash advance fees, you can rest easy knowing you have a Line of Credit to tackle life's little surprises.

  • Ideal for immediate cash needs
  • Access cash when you need it
  • Only pay interest on what you use
  • Re-use as needed without re-applying
  • Competitive variable interest rate
  • Automatic payments may be made from your Bay Area account or from another financial institution
  • Payment protection plans
Share Secured

This type of loan lets you borrow against funds you have on deposit at Bay Area Credit Union. You may borrow against funds in your savings account or in a Share Certificate. Your savings continues to earn dividends and the hold on your funds decreases as the loan balance decreases.