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% 29 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

1APR = Annual Percentage Rate as of 09/20/2020 and may vary based on credit history. All loans subject to approval. Rates subject to change without notice.

2Signature/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.

3Residential 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.

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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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