Get the money you need when you need it.
Personal and Signature Loans
Cities offeres unsecured (not backed by collateral) loans to members. Perfect loan for debt consolidation, a new computer or personal expenses (ex: engagement ring, wedding expenses, a new stove, etc.). Certain restrictions apply.
Holiday (Personal) Loans (offered from 11-1-2020 through 1-31-2021)
- Borrow up to $1,500
- 12-month term
- 3.99% APR on approved credit (credit score of 640+. Otherwise rate is 9.99% APR)
Signature (Personal) Loans
- Available for 12 - 48 months (certain restrictions and qualifications apply)
- Terms and rates based on credit and need
- Fixed amount, single disbursal of funds
- Apply now
Personal Loans (effective date: 5-1-19) | |
Term | Annual Percentage Rate |
36 months | 8.25% - 17.75% |
48 months | 8.74% - 17.75% |
Checking Lines-of-Credit
- Qualified borrowers with a Cities checking account can request a line of credit of up to $2,500 for overdraft protection
- Rates range from 9.99% - 18.00% APR (depending on credit score)
- Provides on-demand funds (use when you need it)
- Payments are automatically transferred from your checking account on the 28th of each month
- Apply now
Share-Secured or Certificate-Secured Loans
- Loans secured by share account deposits or your certificates
- The term and amount are arranged to meet your individual needs
- The interest rate charged is 3% over your certificate
- Apply now