Personal Loans
Need a little more than you’ve got? Our personal loan options offer great rates on money that you can use for just about anything: making a specific purchase (like a computer or new furniture), paying for life events (like a wedding or vacation), or consolidating your debt into a single low monthly payment.
No matter where you are, it’s easy to get a personal loan and manage it online. Whether you’re looking for flexible funds, debt consolidation, or support for major life events, we’ve got the right personal loans for you.
Find the personal loan that’s right for you!
Personal Line of Credit
A Personal Line of Credit (PLOC) offers convenience and flexibility to help you meet life’s financial situations. You’ll enjoy easy access to a ready source of funds for recurring expenses, major life events, or large unexpected purchases—plus it can also serve as overdraft protection. Borrow what you need when you need it, without having to reapply. Best of all, you pay only for the amount you use.
- Credit lines up to $15,000
- Funds are available up to your predetermined limit
- Loan Protection options available
- Manage your loan through our mobile app
Personal LOC Rates
- as low as
- 13.00% APR
- maximum $15,000
Signature Loan
A Signature Loan is an unsecured loan granted based solely on your application, allowing you to access funds with just your signature. This type of personal loan is ideal for various needs, such as emergency costs, starting a business, or debt consolidation. You’ll know exactly what your monthly payments will be for the life of the loan, giving you full transparency.
- Available up to $15,000
- Loan Protection options available
- Manage your account easily through our mobile app
Signature Loan Rates
- as low as
- 10.00% APR
- up to 36 months
- as low as
- 10.25% APR
- 37-48 months
- as low as
- 10.50% APR
- 49-60 months
For example, a $10,000 loan at 10.50% APR for 60 months would result in a monthly payment of $214.99.
For debt consolidation loans, 2% will be added to the 60-month signature loan rate. A loan of $10,000 at a 12.50% APR would have a monthly payment of $225.08.
Open an Account in 3 Steps
Please review the list of required documents before you get started.
Are You a Member?
Please use your Digital Banking credentials to login, then visit the Apply Online tab to begin your pre-filled application.
Not a Member Yet?
It’s easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.
If you have an active account with Interior Federal but are unable to login to Digital Banking, click here.
APR = Annual Percentage Rate. Maximum APR is 18% for personal lines of credit. Loan rates are based on creditworthiness and an evaluation of credit history, so your rate may differ. The rates will be based on an index of the Prime Rate as published in the Wall Street Journal plus or minus a margin. The rates are adjusted quarterly. Loan rates are determined based on the dividend rate for the securing account. These funds pledged as collateral for the loans must remain at the same balance as the loan.
Not all applicants will qualify. Not all borrowers will qualify for the lowest rate. Actual rate will vary depending on the applicant’s creditworthiness. For additional rates and terms click here.
Existing loan rates may change every January, April, July, and October based on changes in the Prime Rate as of the 1st day of the previous month.