Personal Loans 

Enjoy true financial flexibility with our personal loans. It’s your loan, money, and choice of how to spend it. 

With our personal loan, there are no restrictions on how to utilize your borrowed funds — from consolidating debt to paying off medical bills or financing your dream vacation; our personal loans have you covered. Plus, with optional loan protection coverage available that will take over your loan payment if you become disabled, deceased, or unemployed, you can have peace of mind when borrowing. 


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Interest Rates Certified by Datatrac
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Apply for this loan by:

Calling our Virtual Loan Center at 269.488.5945

Applying online to secure this loan

Personal Loan Rates

Term Length

APR as low as *

Up to 36 months
10.99%
37 to 60 months
11.49%
61 to 84 months
12.99%

Personal Loan

  • Enjoy fixed payments and terms with low, competitive rates
  • No application fee
  • Loan interest accrues only when funds are drawn
  • Apply by phone 24/7 at 269.488.5945 and get an answer within minutes
  • No restrictions on how you spend your funds
  • Optional loan protection coverage available that will take over your loan payment if you become disabled, deceased, or unemployed. 
  • Apply Online
  • Schedule an Appointment

FlexLOC

  • This revolving line of credit allows you to borrow money as often as you need
  • Competitive rates
  • No application fee
  • Loan interest accrues only when funds are drawn
  • Use as overdraft protection for your checking account
  • No restrictions on how you spend your funds
  • Apply Online
  • Schedule an Appointment

Certificate of Deposit Secured Loans

  • Borrow up to 100% of the amount in your Certificate of Deposit Account
  • Rates are determined based on the length of the term. Call for rates.
  • Term determined by remaining length of your certificate
  • Continue to earn dividends on your certificate of deposit
  • Quick and easy approvals; apply by phone 24/7 at 269.488.5945 and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Apply Online
  • Schedule an Appointment

Share Secured Loans

  • Borrow up to 100% of the amount in your Share Savings Account
  • Terms up to 60 months
  • Continue to earn dividends on your savings
  • Quick and easy approvals; apply by phone 24/7 at 269.488.5945 and get an answer within minutes
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Optional loan protection coverage available that will take over your loan payment if you become disabled, deceased, or unemployed. 
  • Apply Online
  • Schedule an Appointment
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Next Steps

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Information and interactive calculators are available as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.