Personal Loan Rates

Whether you want to take a vacation, consolidate bills, increase your home's energy efficiency or just need some extra cash, we make financing your dreams easy!

Personal Loan Rates

Signature Loan

Loan Amount APR (As Low As)1 Term
$500-$30,000 3.90% Up to 29 Months
$500-$30,000 9.88% Up to 36 Months
$500-$30,000 10.88% Up to 48 Months
$500-$30,000 11.88% Up to 60 Months

Signature Line of Credit

Loan Amount APR (As Low As)1 Term
$500-25,000 14.50% Revolving

Secured Signature Personal Loans

Loan Loan Amount Fixed APR1 Term
Savings and Money Market Secured Loan 100% of available Savings or Money Market balance 3.00% Up to 84 months
Certificate Secured Loans With monthly payments: up to 100% of certificate balance Up to full certificate term

Energy Loans

For more information call (858) 495-1637 or email energy@calcoastcu.org. For additional information on the REEL program, please visit gogreenfinancing.com.

Loan Amount APR (As Low As)1 Term
$2,500 - $30,000 3.48% 30 months
$2,500 - $50,000 4.48% 5 years
$2,500 - $50,000 5.48% 10 years
$2,500 - $50,000 6.48% 15 years

Emergency Loan Options

We heard you. To help provide financial relief to our members, we are offering the following three personal loan options, effective immediately. 

No Payments for 6 Months Loan

  • No Fees
  • Interest free, 0% APR
  • Up to $1,000 to be repaid no later than 6 months from origination
  • Subject to credit review

12-Month Emergency Loan

  • No Fees
  • Rates as low as 1.98% APR
  • No Payments for 90 days4
  • Loan amounts up to $5,000
  • Principal and Interest Payments over 12 months
  • Subject to credit review

Emergency Line of Credit

  • Rates as low as 2.98% APR
  • Credit line of $5,000 with access as you need it5
  • Overdraft protection available
  • Low minimum monthly payments
  • Subject to credit review
  1. APR = Annual Percentage Rate as of 05/16/2021 and may vary based on credit history. All loans subject to approval. Rates subject to change without notice.
  2. Signature/Personal Loan Payment Examples: A 29 month loan at 3.90% will have 29 monthly payments of $36.20 per $1,000 borrowed. A 36 month loan at 9.88% will have 36 monthly payments of $32.22 per $1,000 borrowed. A 48 month loan at 10.88% will have 48 monthly payments of $25.79 per $1,000 borrowed. A 60 month loan at 11.88% will have 60 monthly payments of $22.19 per $1,000 borrowed. Monthly payments for the Signature Line product are 3% of the outstanding balance at the time of the last advance or $25 whichever is greater. A $1,000 Signature Line balance will have a $30 minimum monthly payment.
  3. Residential Energy Efficiency Loan Payment Examples: A 29 month loan at 3.90% will have 29 monthly payments of $36.20 per $1,000 borrowed. A 60 month (5 year) loan at 5.90% will have 60 monthly payments of $19.30 per $1,000 borrowed. A 120 month loan (10 years) at 6.40% will have 120 monthly payments of $11.31 per $1,000 borrowed. A 180 month (15 year) loan at 6.90% will have 180 monthly payments of $8.94 per $1,000 borrowed.
  4. COVID-19 Financial Relief Loans: Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier.
  5. Maximum credit limit $5,000. No interest will be charged until the funds are used. Estimated minimum monthly payment is 3% of the outstanding balance or $25, whichever is greater. For example, a balance of $1,000 will have a $30 minimum monthly payment. 

 

Don't be a stranger, we're your neighbor

Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

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