Personal Loans & Lines
Personal Loan Options
It's your ideal life — we're here to help you live it. Browse our personal loan options and select the one that fits your goals best. Then simply apply online to get started.
Achieve your goals or afford unexpected expenses with an Ideal Signature Loan. Enjoy low rates and fixed payments.
Overdraft Line of Credit
Advance funds as needed or use this line of credit to back up your checking account in the event of an overdraft.
Share Secured Loan
Back up this loan option with your savings or a CD. This is a good way to grow your credit score with low risk and a low rate.
Home Improvement Loan
Perfect for homeowners who need quick funds for renovations or new appliances but don't have equity in their home to work with.
Rates as of:
|Type||Term||APR* as low as|
|Signature1 over $5,000||Up to 60 months||10.74%|
|Overdraft Line of Credit||Up to 30 months||14.00%|
|Share Secured||Up to 60 months||Current deposit rate + 3.00%|
|Home Improvement Loan2||Up to 60 months||9.99%|
|*APR = Annual Percentage Rate
1. Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 10.74% APR up to a 60-month term would make a payment of $21.62 per $1,000 borrowed.
2. Maximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan at 9.54% APR, for a 60-month term would make a payment of $525.54 based on $25,000 borrowed.