Final Month
Holiday Loan Special

as low as
5.99% APR* up to 24 months

6.65% APR* 25-60 months

*APR (Annual Percentage Rate). Rate offered is valid from November 1, 2020 to January 31, 2021 and subject to evaluation of applicant’s credit. New money only – cannot be used to refinance an existing SDFCU loan. Loan amount minimum is $500. Maximum term is 60 months. Sample loan calculation: $1,000 at 5.99% APR = 24 monthly payments of approximately $44 each.

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Personal Loans & Line of Credit

Personal loans and personal lines of credit are a convenient way to get access to funds when you need money for things like debt consolidation, home improvement, medical expenses, weddings, travel and more.

Personal Loans

Loan is distributed in a lump sum (loan amounts of $500 - $100,000).

  • Low fixed rate
  • Predictable monthly payments
  • Flexible terms up to 60 months
  • No prepayment penalties
  • No payments for up to 3 months (limited time offer)*

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Personal Line of Credit (Money Line)

A revolving line of credit with continuous, available funds (available credit range between $500 - $30,000).

  • Low fixed rate vs. a credit card variable rate
  • No annual fee1
  • Ability to write checks from the account
  • Low variable payments (monthly payment based on balance)
  • Automatic overdraft protection for checking account
  • No prepayment penalties 
  • No payments for up to 3 months (limited time offer)*

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Savings Secured Personal Loan

The loan is disbursed in a lump sum and fully secured by the funds in your savings account or share certificate.

  • Helps rebuild or establish credit (you can also read about our Savings Secured Platinum Rewards Card option)
  • Low fixed rate
  • Continue to earn interest in your savings and have the money you need
  • A good option for providing short-term liquidity 
  • No payments for up to 3 months (limited time offer)*   

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Already Applied? Check application status

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Personal Loan Rates

Products APR*
Up to 24 Months 7.24% - 13.58%
25 to 60 Months 7.90% - 15.00%
Moneyline Line-of-Credit 11.75% - 16.75%
Share Secured Loan 3.10%


Rates effective September 1, 2020

*Annual Percentage Rate (APR) based on evaluation of applicant's credit. Your actual APR will be within the stated range and will be disclosed at the time of disbursement. Unless otherwise stated rates subject to change monthly.


1 Money Line no annual fee - minimum finance charge (no less than $0.50).

* No Payments for up to 3 months - No payments for the first 3 months, regular repayment terms apply per note, security agreement, and addendums. Interest will accrue during the no payment period. Rates as low as 7.24% APR vary based on credit. This is a limited time offer, subject to credit approval. No prepayment penalties.