Personal Loans
Fund a range of plans and projects
If you’re seeking a loan for something outside of a vehicle or home mortgage, Cedar Point Federal Credit Union is ready to assist.
Whether you want to pay for home improvements, unexpected medical expenses, a dream vacation, or some other purpose, we’ll help you secure the personal loan you need.
With our affordable rates, it’s a perfect time to seek financing. With just a few clicks, you can apply online and receive a response within minutes.
Personal Line of Credit
When you need funds for ongoing projects like home improvements, an emergency fund for unexpected expenses, or to consolidate debt, a personal line of credit might be a good choice. You’ll only make payments on the loan when you begin to use it.
You may also want to consider a Home Equity Line of Credit (HELOC) for your funding needs.
Rate information is accurate as of June 1, 2025.
| Term | APR as low as | Monthly Payment per $1000 |
|---|---|---|
| 12 months | 11.00% | $88.38 |
| 24 months | 11.00% | $46.60 |
| 36 months | 11.00% | $32.74 |
| 48 months | 11.00% | $25.85 |
| Term | APR as low as | Monthly Payment per $1000 |
|---|---|---|
| 36 months | 9.00% | $31.80 |
| 48 months | 9.00% | $24.89 |
| Our American Freedom Loan functions in much the same way as our other personal loans. The key difference with this type of loan is that it relies on the length of the borrower’s employment. Borrower must have at least three years of job history. | ||
| Term | APR as low as | Monthly Payment per $1000 |
|---|---|---|
| 12 months | 13.25% | $89.43 |
| 24 months | 13.25% | $47.66 |
| 36 months | 13.25% | $33.81 |
| 48 months | 13.25% | $26.95 |
| Term | APR as low as | Monthly Payment per $1000 |
|---|---|---|
| Up to 60 months | 2.55%‡ | $17.79 |
| 84 months | 3.55%† | $13.49 |
| *Rate reflects loan against share 0 account. Other options are available. Please contact us for options. ‡2.5% over published share rate †3.5% over published share rate Limitations apply. Minimum loan amounts apply. See Personal Loan Rates for details. | ||
| Loan Type | Maximum Term* | APR as low as | Amount |
|---|---|---|---|
| Revolving Credit | 48 months | 13.25% | Up to $15,000 |
| Premium Line of Credit | 48 months | 11.25% | Up to $15,000‡ |
| *Approximate Term. Payments are based on term stated. Actual loan term may vary based on repayment schedule. See Personal Loan Rates for details. | |||
Overdraft Protection Line of Credit
An overdraft protection line of credit is a small revolving line of credit that’s linked to your checking account. If you make a transaction that overdraws your account, the overdraft protection will cover the transaction and help you avoid declined charges, bounced checks and overdraft fees.
| Maximum Term | APR as low as | Amount |
|---|---|---|
| 24 Months | 13.250% | up to $2,000 |
| *Approximate Term. Payments are based on term stated. Actual loan term may vary based on repayment schedule. ‡ Minimum $2,500 advance taken upon approval See printable pdf for details. | ||
Life happens! Cedar Point Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
