Personal Loans

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Roll with the unexpected with a personal loan.

Sometimes, you just need a loan. A little extra money to get you through whatever life is throwing at you. At CommunityAmerica, we return our profit to those who bank with us, so we're happy to offer types of loans other places don't. In fact, a loan with us can add to your share of our Profit Payout1. Whether secured or unsecured, we’ll help you find a solution that fits your needs.

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Personal Loan

Act fast with a personal loan.

Even with no collateral, we offer a multipurpose loan with your name on it. This popular, fixed-interest rate loan gets the job done. 

Personal Loan features:

  • Competitive interest rates (based on applicant credit)2
  • Financing in minutes
  • Minimum $500 loan amount
  • Maximum $25,000 loan amount
  • Terms up to 48 months
  • Automatic payments via direct deposit and account transfer available from CommunityAmerica deposit accounts.

Apply for a Personal Loan

Personal Line of Credit

Do more with a Personal Line of Credit.

Not quite sure how much money you need? We have just the thing. You can borrow between $500 and $15,000. How you use your funds is totally up to you. 

Personal Line of Credit features:

  • Great for Checking Account overdraft protection
  • Financing in minutes
  • Minimum $500 loan amount
  • Maximum $15,000 loan amount
  • Convenience checks available upon request
  • Automatic payments via direct deposit or account transfer

Apply for a Personal Line of Credit

Secured Loan

Build your credit with a Savings Secured Loan.

If you have a savings account, you have collateral. A secured loan is a convenient way to access money at a moment's notice. It’s a great way to build credit off the funds you already have, and at a low rate.

Apply for a Savings Secured Loan

Certificate (CD) Secured Loan

Take advantage of a Certificate (CD) Secured Loan.

If you have a Certificate (CD) with us, you can use that as collateral for a personal loan. Interest is low and terms are variable, making it a convenient source of funds. The best part? You continue to earn interest on your account.

Certificate (CD) Secured Loan features:

  • Approval in minutes and funds available almost immediately
  • Terms up to 60 months
  • Maximum loan amount based on available Certificate (CD) account balance
  • Automatic payments via direct deposit and account transfer available from CommunityAmerica deposit accounts.

Apply for a Certificate (CD) Secured Loan

Personal Loan Rates

Personal Loan

APR As Low AsMinimum Balance
9.24%$500

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APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates effective as of 03/06/2017.

Personal Line of Credit

APR As Low AsMinimum Balance
9.24%$500

Apply Now

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice.

APR may vary and is determined by adding an index of 4.99% - 13.74% to the U.S. Prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month. Rates effective as of 07/01/2017.

Savings Secured Loan Rates

APR
The rate is the share's effective annual percentage yield (APY) rounded up to the nearest .25% plus 2% with no minimum rate.

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Rates and terms are subject to change or may expire without notice. Rates effective as of 03/06/2017.

CD Secured Loan Rates

APR
The rate is the CD's effective annual percentage yield (APY) rounded up to the nearest .25% plus 2% with no minimum rate.

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Rates and terms are subject to change or may expire without notice. Rates effective as of 03/06/2017.

1 Click here for details on Profit Payout.
2 Rates differ based on individual credit score, length of loan term and the amount of the loan. Rates are subject to change.
Your Profit Payout

Your Profit Payout


With CommunityAmerica, everyday banking could earn you money. Find out how much you could earn by banking with us. 

Estimate your Profit Payout >

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