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Routing: 292977899

Personal Loans

From building your credit to helping you make ends meet to checking items off your bucket list, we offer many types of personal loans to fill your needs.

Man and woman sit in the grass with their young child at Missoula out to Lunch at Caras Park in spring.

What would you like to do?

Personal Signature Loan

Get the loan you want — even with no collateral to secure it. You can use this versatile loan to consolidate debt, make home improvements, or even take that bucket list vacation.
  • Low, competitive interest rate
  • Easy, online loan payments
  • Up to 72-month maximum loan term
  • $30,000 maximum loan amount
Apply Now Personal Loan Calculators  

Personal Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 9.25% - 18.00% —— $30,000
48 Months 9.75% - 18.00% —— $30,000
60 Months 10.25% - 18.00% —— $30,000
72 Months 10.75% - 18.00% $15,000 $30,000

All loans subject to approval. Personal loans subject to aggregate loan limits. Payment Example: $5,000 loan for 36 months will have a monthly payment range of $160 - $182.

Personal Line of Credit

Protect yourself from the occasional overdraft or unplanned expense or make home improvements with this revolving line of credit. You’ll enjoy access to money when you need it.

  • Low, competitive interest rate
  • Easy, online loan payments
  • Access funds as you need them, up to your credit limit
  • $3,000 maximum line of credit

Apply Now

Personal Loan Calculators

Personal Lines of Credit

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 7.90% - 16.90% $500 $3,000

All loans subject to approval. Personal lines of credit subject to aggregate loan limits. Minimum payment of 3.00% of the outstanding balance, subject to a minimum of $25.00.

Payday Alternative Loan (PAL)

If you need a little cash to tide you over between paychecks, our short-term PAL helps you avoid the high interest rates and fees of payday lenders.

  • Easy online payments
  • Loan amounts from $200 to $1,000
  • Must be a member for at least 90 days
  • Must have 90 days of continuous employment

Apply Now

Payday Alternative Loans (PAL)

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
5 Months 28.00% $200 $1,000

Must be a member for at least 90 days and have 90 days of continuous income to qualify. All loans subject to approval. Payment example: $500 loan for 5 months will have a monthly payment of $108.

Share Secured Personal Loan

If you have funds on deposit in a Clearwater savings account or CD, use this loan to make purchases or to build or rebuild your credit. Borrow up to 100% of the amount you have on deposit.

  • No credit check or proof of income required
  • Easy, online payments
  • Maximum loan amount equal to 100% of funds on deposit
  • Repayment terms up to 60 months, depending on amount borrowed

Apply Now

 

Share Secured Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Maximum of 60 months Share Rate + 3.00% —— Share Amount

All loans subject to approval. Payment example: $5,000 loan for 60 months will have a monthly payment of $90.

Computer Loans

Whether it’s for school, work, or pleasure, our Computer Loan can help you purchase the technology tools you need for the life you want.

  • Low, competitive interest rate
  • Easy online payments
  • $3,500 maximum loan amount
  • 18-month maximum loan term

Apply Now

Computer Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
18 Months 5.00% —— $3,500

All loans subject to approval. Computer loans subject to aggregate loan limits. Payment Example: $1,000 loan for 18 months will have a monthly payment of $58.

Home Equity Loan

This type of loan lets you borrow money against the equity you’ve accumulated in your home for remodels, repairs, or even debt consolidation. Your equity is the difference between the current market value of your home and the amount you owe on your existing mortgage loan.
  • Up to 80% loan-to-value
  • $25,000 minimum loan amount
  • 5-, 10-, 15-, and 20-year terms
  • Rate discount if at least 50% of improvements are related to:
    • Energy efficiency or conservation
    • Health or safety measures
    • Accessibility for disabled persons
Contact Us for Rates or to Apply Payment Estimator

Home Equity Line of Credit (HELOC)

This revolving line of credit, secured by your home’s equity, works similar to a credit card. You have a line of credit, use what you need, and only pay interest on the amount borrowed.
  • Up to 80% loan-to-value
  • $25,000 minimum loan amount
  • Rate discount if at least 50% of improvements are related to:
    • Energy efficiency or conservation
    • Health or safety measures
    • Accessibility for disabled persons
Contact Us for Rates or to Apply Payment Estimator

Condensed Guide to Loan Terms

Make informed decisions. Refresh yourself on the basic loan terms common to all loan types.
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Does a Personal Loan Make Sense for You?

Explore the five key things to consider when deciding if a loan is right for you.
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When is Debt Consolidation a Smart Decision?

Gaining a good understanding of debt consolidation is the first step in evaluating where it meets your needs.
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