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Personal Loans

CapEd offers a variety of options for lines of credit, signature loans, and share secured loans.

A hand holding cash

What can a personal loan cover?

A personal loan can be used to cover a variety of expenses such as:

  • Unexpected expenses
  • Vacation
  • Home improvements
  • Consolidation of debt
  • Medical bills
  • Taxes

If you're thinking about applying for a personal loan to consolidate debt, try the Debt Consolidation Calculator to help you determine if debt consolidation is right for you.

Personal Loan Options

Personal loans can be either secured or unsecured. A secured loan is a loan that is backed by the security of an asset or collateral. An unsecured loan is supported by your creditworthiness.

Lines of Credit

  • Unsecured and open-ended line of credit
  • Up to $25,000.00 limits available
  • Automatic payment options
  • Online access with eBanking
  • Protection for your checking account

Signature Loans

  • Unsecured personal loan
  • Up to $25,000 based on creditworthiness
  • Maximum term of 60 month available
  • Automatic payment options
  • Direct deposit may be required
  • Easy repayment terms available
  • Easy to apply online, by phone, or in person at one or our locations

Share Secure Loans

  • Secured personal loan
  • Lower interest rates
  • Funds deposited are used as collateral
  • Best for building or rebuilding credit
  • Automatic payment options
  • Amount pledged in your share secure account is reduced as the loan balance decreases


Rates current as of .

Term APR Daily Periodic Rate
N/A 13.45% - 18.00% 0.049%

Loan Amount Loan Term APR as low as Payment per $1,000 borrowed
$500.00+ Up to 60 months 11.74% $26.21 (48 Months)

Loan Term APR as low as Payment per $1,000 borrowed
12-60 Months 3.49% - 3.99% $43.20 (24 Months)

Apply Online

Easily apply online for a personal loan.


Tools to help you with your loan.


All loans subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

1 Payments will be calculated at $5.00 per hundred dollars borrowed or any fraction thereof, with a minimum payment of $25.00. Late fees are 5% of the standard payment or $15.00, whichever is greater, if your payment is more than 12 days late.