Personal Loans & Lines of Credit

Personal Loans & Lines of Credit

When life throws the unexpected your way or you need extra funds for something special, a personal loan from Salt City Federal Credit Union is the solution. With no collateral required and flexible repayment terms, you can handle emergencies, consolidate debt or fund life’s moments with ease.

Personal Loans

Flexible Financing
Use funds for debt consolidation, home repairs, emergency expenses, vacations or just about anything you can think of.

Competitive Rates
Affordable options with terms up to 60 months for manageable payments.

No Collateral Required
Based on your credit and employment history, no assets are needed to secure your loan.

Lifestyle Line of Credit

Be ready for whatever life throws your way with Salt City’s Lifestyle Line of Credit. This instant access loan gives you the flexibility to borrow when you need it, repay on your schedule and borrow again—offering ongoing financial support for today and the future.

Instant Access
Borrow funds whenever you need them, for any reason with no cash advance or balance transfer fees.

Revolving Credit
As you pay down your balance, your available credit replenishes.

Competitive Rates
Affordable fixed rates that reward good credit.

Flexible Payments
Manageable monthly payment of 2% of your balance, automatically deducted from your savings account.

Convenient Access
Get funds through online banking, phone banking, writing a check or calling a branch

Versatile Uses
Cover expenses like home or vehicle repairs, medical costs, vacations or unexpected opportunities.

Ready to make your plans a reality? Apply online today for a personal loan from Salt City and enjoy fast, affordable financing.

Not Seeing What You Need?

We also offer Personal Secured and Share Secured Loans to meet other unique financing needs.

Apply Today Contact Us

Rewards Card¹	Annual Percentage Rate (as low as)
With Rewards	8.90%
No Rewards	7.90%

Balance transfer	Annual Percentage Rate (as low as)
With Rewards	5.90%
No Rewards	4.90%

Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
36	6.99%	$30.87
60	7.49%	$20.03
72	8.49%	$17.77

Type of Loan ¹	Closing Costs Paid By	Annual Percentage Rate (as low as)
$10,000 – $20,000	Member	7.50%
$20,001 – $50,000	Member	7.25%
$50,001 +	Member	7.00%
$10,000 – $20,000	CU	7.75%
$20,001 – $50,000	CU	7.50%
$50,001 +	CU	7.25%

Type of Loan¹	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed²
Member Pays Closing Costs	60	4.75%	$18.76
	120	5.25%	$10.73
	180	5.75%	$8.30
CU Pays Closing Costs	60	5.00%	$18.87
	120	5.50%	$10.86
	180	6.00%	$8.44

Online and mobile banking will be down Thursday Jan 23rd from 9 am to 2 pm.

Personal Loans & Lines of Credit

Personal Loans

8.99% APR

Lifestyle Line of Credit

7.99% APR

Beat The Rate Refinancing

Tools & Resources

Loan Calculator

Headquarters Mailing Address

Contact Us

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹See VISA Credit Card Application Disclosure and Agreement for details

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Minimum loan amount is $5,000 and maximum is $20,000

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

Payment examples do not include amounts for taxes and insurance premiums, if applicable. Credit union does not offer a fully administered escrow program.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Credit union does not offer a fully administered escrow program.

2 Payment examples do not include taxes and insurance premiums, if applicable

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 Powersport vehicles have a maximum term of 84 months.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

¹ Contact us for rates on older vehicles

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice.

1 A typical auto loan of $40,000 at 6.99% APR would have 60 monthly payments of $625.96 each month and would include a balloon payment due at loan maturity of $12,500.

2 A typical auto loan of $40,000 at 7.49% APR would have 60 monthly payments of $637.73 each month and would include a balloon payment due at loan maturity of $12,500.

Type of Loan	Term (Months)¹	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	60	6.24%	$19.44
	84	6.74%	$14.97
	144	7.24%	$10.41
	180	7.74%	$9.70
Used 2015 – 2023	60	6.74%	$19.68
	84	7.24%	$15.21
	144	7.74%	$10.68
	180	8.24%	$9.70

Type of Loan	Term (Months)	Annual Percentage Rate (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	48	5.49%	$23.25
	60	5.64%	$19.17
	72	5.84%	$16.50
	84	6.34%	$14.77
Used 2015 – 2023 ¹	48	5.99%	$23.48
	60	6.14%	$19.40
	72	6.34%	$16.73
	84	6.84%	$15.01

Tier	Min Balance	Dividend Rate	APY 1
1	$2,500	.35%	.35%
2	$25,000	.40%	.40%
3	$50,000	.45%	.45%
4	$100,000	.50%	.50%

Tier	Minimum Balance	Dividend Rate	APY 1
1	$0	.20%	.20%
2	$2,500	.40%	.40%
3	$10,000	.60%	.60%

Months	Dividend Rate	APY 1
12	4.62%	4.70%
24	4.13%	4.20%
36	2.87%	2.90%
48	2.92%	2.95%
60	2.97%	3.00%

Account	Dividend Rate	APY 1
Savings Accounts	.05%	.05%
IRA and ESA Savings	.15%	.15%

Type of Loan	Term (Months)	Annual Percentage Rate¹ (as low as)	Monthly Payment Per Thousand Borrowed
New and used 2024 – 2025	36	6.74%	$30.76
	60	6.99%	$19.80¹
	72	7.24%	$17.16
Used 2023 and older	36	7.24%	$30.99
	60	7.49%	$20.03²
	72	7.74%	$17.41