Personal Term Loans

• Competitive rates for a wide variety of personal needs:
  • Vacations
  • Computers
  • Home improvements
  • Back-to-school expenses
  • Holiday expenses
  • And much more!
• Repayment terms customized to fit your unique needs
• No prepayment penalties
• Quick, local decision-making and processing
• Friendly Texas service from start to finish

Estimate your loan payments using our online calculator.

You may be eligible to make your personal loan a secured loan or signature loan. A secured loan is backed by collateral, such as money in your share certificate. A signature loan is backed by your promise to pay and a few other factors (such as your credit history and income). We’ll be glad to help you decide which personal loan option is best for you. 

Here are a few of our secured loan options:

Share Secured Loan: You may borrow against the money in your Regular Savings Account at an interest rate that’s 2% above the current dividend rate for up to 60 months. Pledged shares equal to the unpaid balance are frozen in the account during the term of the loan. 

Share Certificate Loan: You may borrow against the money in your share certificate at an interest rate that’s 2% above the rate of your certificate up to 60 months.

Stock Secured Loan: You may borrow against stock that you have purchased at 75% of the current price of the stock.