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Individual, just like you.

Which personal loan option is right for me?

Loan type Best if you want … APR1
PowerLine of Credit
Best if you want …

Ongoing access to funds whenever you need them, for whatever purpose


As low as 11.25%2

Extra funds

Borrow funds to meet your personal needs1

Convenient access

Unlimited access to funds within your credit limit

Smart options

Automatic payment and overdraft options

Savings Secured Loan
Best if you want …

A tool to help you rebuild credit


Dividend rate + 3%

How it works

Borrow up to 95% of your Xceed Financial savings account while still earning dividends


No qualification requirements or prepayment penalties

MemberFirst Loan
Best if you want …

A loan up to take care of a major purchase



Extra funds

Borrow funds to meet your personal needs1

Consolidation Loan
Best if you want …

More stability while you pay down debt



Borrow a one-time lump sum so you can pay off debt.

Ready to get started?

Visit your nearest Financial Center or ATM
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Get started on your Xceed personal loan
Apply now »
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¹APR = Annual Percentage Rate. Actual rates may vary based each individual’s credit history, loan type, and underwriting factors. Subject to credit qualifications and approval. Programs, rates, terms and conditions are effective as of 3/16/2020 and are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

²The variable APR may adjust monthly based on the Prime Rate (index) plus a margin and may vary based each individual’s credit history and underwriting factors.

³The APR reflects a rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account.

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