Best for members who know how much money they’ll need for a specific purchase, such as buying a vehicle, paying for tuition, or consolidating high-interest debt.

• Borrow a lump sum of money for a one‑time need

• Speak to a lending specialist to assess your specific needs

• Choose terms that work best for you with a set timeline to repay

Best for members who want a flexible borrowing option. Tackle those home renovations, cover unexpected car repairs or emergency home maintenance.

• Apply once for a pre-set maximum credit, then use money as you need it

• Pay interest only on what you use

• Rates lower than loans or credit cards