Personal Loans & Lines of Credit
Anything Loan
- Borrow between $500 – $30,000
- Low fixed rate loan with terms up to 5 years
- What’s your anything?
Because life happens, our Anything Loan fits your need for ANY reason.
- Medical Expenses
- Hearing Aids
- Adoption Services
- Cosmetic Surgery
- Fertility Treatments
- Heating/AC
- Home Improvements
- Newborn
- Vacations
- Veterinary Care
- Weddings
- Or anything else!
Debt Consolidation Loan
- Borrow between $500 – $30,000
- Low fixed rate loan with terms up to five (5) years
- Proceeds must be paid directly to another creditor
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Term Line of Credit
No equity, no problem! Borrow what you need, when you need it!
- Use us as you need it for the first 2 years and make interest only payments2
- Rates as low as 8.00% APR1
- 5 year repayment period after draw period ends
- Minimum amount of $3,000 and max line amount of $30,000
Signature Line of Credit
- Borrow between $500 – $10,000 at a low fixed rate
- Link to your checking for overdraft protection
- Get advances of $100 or more when you need it
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Savings Secured Loan
Use your 360FCU savings or share certificate account for collateral while still earning dividends. No credit qualification required. Borrow up to balance in account.
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Personal Loan Rates
| Rates as of: 12/01/2018 | ||
|---|---|---|
| Term | APR1 | |
| Anything Loan Up To 36 months | 8.99% | $500 Minimum Loan Amount |
| Anything Loan 37 - 60 months | 9.49% | |
| Debt Consolidated Up To 36 months | 6.99% | $500 Minimum Loan Amount |
| Debt Consolidated 37 - 60 months | 7.49% | |
| Signature LOC Revolving Credit Line | 12.50% | Borrow up to $10,000 |
| Term Line of Credit 84 months | 8.00% | Initial draw period is the first 2 years from closing date followed by a 5 year repayment period |
Savings Secured Loan Rate
| Rates as of: | 5/22/2017 |
|---|---|
| Term | APR1 |
| Up To 60 months | Loan interest rate is 2.00% above the last declared rate of the product securing the loan. See your statement for actual rate. |
Disclosures
1) APR = Annual Percentage Rate. Rates & terms are effective as of the date shown and are subject to change without notice. Except for lines of credit, education refinance and savings secured loans the Annual Percentage Rate includes a 0.25% rate discount with Auto-Pay from a 360 Federal Credit Union Account. If the Auto-Pay is not set-up or removed from the account your rate will increase by 0.25%. Rates listed are based on our credit grade “A”. Your actual rate may differ depending on your individual credit score and term.
2) 7 year term line of credit. Minimum line amount of $3,000 and max line amount of $30,000. Initial draw period is the first 2 years from closing date followed by a 5 year repayment period. No other withdrawals will be permitted after the draw period ends. During the draw period interest only payments are required. Your payments during the repayment period will increase as your payment will now include principal and interest. Your principal and interest payments will be based on the remaining balance withdrawn. The minimum credit advance you may obtain with any withdrawal from your term line of credit is $100.00.
All loans and credit lines are subject to credit approval, except the savings secured loan. Membership eligibility required. Ask for details.
