OnPoint delivers flexible loan options for all of life’s opportunities. With personal loans and lines of credit, loans based on secured savings, and even short-term payday loans for unexpected expenses, the money you need is always within reach.



Table data for Other Loan Rates
Available Terms Annual Percentage Rate Alert Me
Personal Line of Credit N/A 15.50% - 17.50% Variable APR
Personal Loan Up to 60 Months 10.00% - 16.00% Fixed APR
Savings or CD Secured Loan or Line of Credit N/A Pledged account interest rate plus 3.00%
Payday Advantage Loan See Terms and Conditions 12.00%
Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. (Payday Advantage loan discount is 2.00% for automatic payment.)


All OnPoint loans are subject to credit terms and approval.

1 Maximum amount is 20% of member’s next paycheck or $600, whichever is less.

2 Variable APR 3% above what your savings account currently earns.