Unsecured Loans

Signature
For those unexpected expenses, purchases, or vacation we offer signature loans. Low-cost credit life and credit disability insurance is available.
Terms for up to 48 months.

Lines of Credit
Use the convenience of an open end line of credit loan for cash advances online, in the lobby or through shared branching services. One time application with limits has high as $10,000. Loan rates are based on your credit score and credit history. Minimum monthly payments are based on the credit limit times 3 percent.

Overdraft Line of Credit
Eliminate overdrawn checking account balances! Members are allowed a combination of a signature or line of credit loan along with an overdraft line of credit for checking accounts. Overdraft lines are from $500 to $1,500. Minimum monthly payments are based on the credit limit as follows:
$25 – $500 limit
$50 – $1,000 limit
$75 – $1,500 limit

Miscellaneous Secured
SMFCU offers miscellaneous secured loans for many needs. Rates are lower than an unsecured loan.