Ok, so we know technically these are the same loan, but who’d want a Winter Wonderloan in the summer? Regardless of what season we happen to be in, this loan is a great way to borrow up to $5,000 for almost any reason at a special rate. Apply online or at one of our branches today!

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Use funds that you have on deposit with Financial Plus as collateral. The funds on deposit are held and released as you pay down the balance of the loan. The benefit is a lower interest rate because the credit union holds the collateral during the life of the loan. These are typically secured by a share (savings) or certificate account. Apply online or at one of our branches today!

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Personal Pocketbook is an unsecured line of credit that gives you access whenever you need it. Rates vary based on creditworthiness. Apply online of at one or our branches today!

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Build your credit with a $1,000 Kick Start Loan from Financial Plus*!

The Kick Start Loan was designed with young adults in mind. We saw a need to help young people build their credit and save money at the same time. Identifying a need is one thing, but creating a solution is another. We've done both.


In order for this to work, we knew that qualifying for the program needed to be simple. The only documentation that you'll need to provide (other than ID) is a current paystub that verifies your employment and income. 

Here's how it works:

  1. Take out a Kick Start Loan for $1,000.
  2. We place the money we lend you into an account in your name. During the loan repayment period we will lock the funds up for you. This is our "oh-so-clever" plan to help you save money.
  3. You make on-time payments for the life of the loan, and we will report your on-time payments to the credit bureaus. (This is where the credit building part comes into play.)
  4. When the loan is paid off, we release the $1,000 in your account, and it's yours to save, to use for school, a car, a puppy, an umbrella for a rainy day...you get the point.

  5. After you have paid off the loan, built your credit, and saved money, you may then be eligible for a VISA credit card with a $500 limit.*

  6. Since the main purpose of this loan is to build credit, on-time payments are mandatory. If any payments are made outside the grace period, the loan will be paid off with the funds in the account.


Ask us how you may qualify for a rate as low as 3.99% APR!** Apply online or at one of our branches today!

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*Once the member has made at least 12 on-time monthly payments, Financial Plus may be willing to lend additional money with a $500 unsecured VISA credit card. The member is invited to apply and must be able to prove income. Rate based on credit score at time of new application.

**APR=Annual Percentage Rate. Equal Opportunity Lender. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. See Credit Union for complete details.

Did you know that consolidating debts into one loan can often reduce the total dollar amount of your monthly payments? We created our Fresh Start Loan to help our members do just that, with flexible terms a fixed rate of just 9.49% Annual Percentage Rate (APR)*.


Check out our debt consolidation calculator to start learning how you might be able to save.

Debt Consolidation App Link

Apply today, or talk with one of our branch staff to see if a Fresh Start Loan makes sense for you.

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