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Short Term Funding Solutions

When transitioning to a new job, sometimes managing your cash flow can get tricky waiting for your first paycheck from your new employer to arrive.

We have a variety of affordable, low-rate short term financing solutions to help. As a not-for-profit financial institution, our rates are hard to beat!

Personal Loans

  • We offer unsecured loans from $50 up to $10,000
  • Borrow without putting up collateral
  • Get competitive rates based on term, loan amount and credit score
  • Take up to 48 months to repay loan
  • Make payments via cash, check, bill payment or automatic transfer
  • Simple application, quick decision
  • Apply online, in person at our nearest branch, or by calling our Call Center

Overdraft Protection/Personal Line of Credit

  • Automatically advances funds into your checking account
  • Credit limits up to $5,000 available
  • No cost until you access your line of credit
  • No annual fee
  • Flexible payment terms with low minimum payment requirements
  • Check our personal line of credit rates
  • Apply online, in person at our nearest branch, or by calling our Call Center

Credit Cards

  • We offer four types of credit cards with varying credit limits and low interest rates based on your payment history
  • Regardless of the type of card you choose, you pay no annual fees and no interest when you pay your balance in full within the 25-day grace period
  • We have the same low rate whether you make a purchase or take a cash advance
  • We don’t charge a balance transfer fee – don’t be fooled by 0% introductory offers to be hit with a high balance transfer or cash advance fee which negates the 0% incentive!
  • Learn more

Payday Alternative Loan and Savings Program (PALS)

Whether you're stuck in the payday loan cycle or facing an unexpected expense, our PALS Program can help. It even encourages incremental savings so you don't have to continue to borrow before pay day.

  • Borrow up to $500 for a 30-day term
  • Benefit from a competitive 18%APR versus the triple-digit rates of a Pay Day Lender
  • Pay no fees
  • Five percent of your loan proceeds are automatically deposited into your share savings account
  • To qualify, you must have direct deposit and be a credit union member for at least six months (this requirement may be waive under certain employer agreements)
  • To apply for a PALS loan call 434-964-2001 and speak to a call center representative. This is a 30-day term loan.


Rates are subject to change without notice, see credit union for details.

Annual Percentage Rate payment examples: Personal Loan: 5 year term: payments are $217.32 for $10,000 loan borrowed at 10.99% APR. Payday Alternative Loan Loan: 30 day term payments at $507.40 for $500 loan borrowed at 18% APR. PowerSaver Home Equity Loan average closing costs range from $1,000-$1,500 for $35,000 borrowed. Personal Line of Credit, limits of $100 to $5,000 Monthly payments based on balance. A $600 balance would have an estimated payment as low as $25 per month, APR as low as 14.49%. Some restrictions may apply, not all applicants will qualify for the lowest rate. See the credit union for details.

Credit card terms and fees can be found HERE

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