Personal Loans & Lines of Credit
Get the funds you need with an interest rate you want
Take on your big plans with a loan or line of credit from Point Breeze Credit Union
Think big
Use a loan to consolidate and pay off debt, pay for college, buy furniture or anything at all.
Choose your term
Flexible terms lead to affordable monthly payments that fit your budget.
Find the right loan
Choose from secured and unsecured loans and lines of credit.
Lean on us
Our loan specialists can structure a loan that fits your budget and your needs.
Opt for extra protection
Debt protection activates in the event of death, disability or involuntary unemployment.
Share Secured Loan or Line of Credit
Use the money you've built up in your Point Breeze Credit Union savings accounts to back your loan. You'll find a lower interest rate with this option because we hold your account as collateral.
- Borrow up to the full amount in your savings account (less the $5 deposit needed to maintain membership)
- Amounts range from $500 to $100,000
- Choose a term loan or line of credit
- Terms up to 5 years
- No applications fees or prepayment penalties
- You continue to earn dividends on the savings balance held for collateral
Signature Loans
Borrow the money you need on the strength of your signature and good credit history without posting collateral.
- Amounts up to $30,000
- Choose a term loan or line of credit
- Terms up to 8 years
- No application fees or prepayment penalties
Home Improvement Loans
Make the repairs you've been putting off or start that remodeling project you've been thinking about for a long time. It's possible with this unsecured loan that requires no collateral.
- Borrow up to $25,000
- Terms up to 10 years
- Quick application process
Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.
Share (Savings) Secured Loan Rate
| Product | APR as low as | Maximum Term (in months) | Monthly Payment (per $1,000) | Maximum Loan Amount |
|---|---|---|---|---|
| Share (Savings) Secured | 5.00% | 120 | $10.61 | $100,000 |
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.
Signature (Unsecured) Loan Rate
| Product | APR as low as | Maximum Term (in months) | Monthly Payment (per $1,000) | Maximum Loan Amount |
|---|---|---|---|---|
| Signature (Unsecured) | 8.95% | 60 | $20.74 | $30,000 |
*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.
Home Improvement Loan Rate
| Product | APR as low as | Maximum Term (in months) | Monthly Payment (per $1,000) | Maximum Loan Amount |
|---|---|---|---|---|
| Home Improvement | 7.75% | 120 | $20.16 | $25,000 |
APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available. Must meet certain qualifications and funds may be used for home improvements only. Contact us for details.