Personal Unsecured & Secured Loans

Our minimum unsecured loan is $500 and the most we might be able to lend you is tied to your credit score:

 

CREDIT SCORE

 MAXIMUM UNSECURED LOAN

A+  740 and Up  $25,000
A  680 - 739  $25,000
B  640 - 679  $15,000
C  600 - 639  $10,000
D  550 - 599  $5,000
E  549 and Less

 $5,000

 

  • Unsecured loans can be used for any legal purpose but the purpose must be stated at the time of application.
  • We have provided many types of unsecured loans for: purchasing furniture or appliances, dental work, repair of credit, to assist with a family emergency or unexpected expense such as a funeral or travel to a funeral, "family aid" loans to assist people trying to help families that are oversees or living as refugees, security deposits, college expenses not covered by student loans or for establishing credit.
  • Whenever possible, we try to lower the rate and our risk by asking for possible collateral, such as a car that is owned outright. This is known as a lien-secured loan; the loan rate matches the auto loan rate even though the loan is not to buy the car, but is for another purpose—for example, repairs to the vehicle.
  • The maximum term for an unsecured loan is 60 months and the minimum term is 12 months.
  • We offer monthly, semi-monthly, weekly and bi-weekly payment options on all consumer loans.

Our Members make the difference.

Member Since 1982

Alison is credited with inspiring the founder of Genesee Co-op FCU, David Knoll, to become an organizer of the credit union. According to David, "Alison said to me 'You need to start a credit union!' With the information and contacts she provided me, I worked to get Genesee Co-op FCU going." THANK YOU ALISON!!

"I was an early joiner. I'm supporting what I believe."

Alison Clarke


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