Personal Loans
We make banking personal and we have the loans to prove it. Find which Personal Loan best fits your needs:
Unsecured Personal Signature Loan
Don’t let a price tag stop you from living your life. Use these loans for:
- Home repairs or improvement
- Medical bills
- Debt Consolidation
- Emergency expenses
- Or even a dream vacation
Money Management Line of Credit
Retake control of your finances - with one simple loan! Ideal for:
- Debt consolidation
- Overdraft protection
- Emergency expenses
- Large purchases
*Transfers made from an approved Line of Credit will be in $50.00 increments and incur a $5.00 fee
CURRENT LOAN RATES
Rates
| Account Type | APY* | Projected Dividend Rate |
| Membership Savings | 0.05% | 0.05% |
| Everyday Savings | 0.05% | 0.05% |
| IRA Contributory** | 0.05% | 0.05% |
*APY = ANNUAL PERCENTAGE YIELD
** Includes Traditional, Roth, Educational and SEP Contributory IRAs. Click to view Disclosures and Fees for more information.
| Account Type | Balance to Earn Dividends | APY* | Dividend Rate |
| Simple Checking | N/A | N/A | N/A |
| Secure Checking | N/A | N/A | N/A |
| Premier Checking | <$2,500 >$2,500 |
0.02% 0.05% | 0.02% 0.05% |
*APY=Annual Percentage Yield. Click to view Disclosures & Fees.
| tier | Balance | Projected DIVIDEND rate | apy* |
| Tier 0 | $0.01 - $2,499.99 | 0.10% | 0.10% |
| Tier I | $2,500.00 - $24,999.99 | 0.20% | 0.20% |
| Tier II | $25,000.00 - $49,999.99 | 0.25% | 0.25% |
| Tier III | $50,000.00 - $99,999.99 | 0.30% | 0.30% |
| Tier IV | $100,000 - $249,999.99 | 0.35% | 0.35% |
| Tier V | $250,000 to $499,999.99 | 0.40% | 0.40% |
| Tier VI | $500,000 and above | 0.45% | 0.45% |
| deposit amounts | Dividend rate | apy* |
| $1,000.00 - $9,999.99 | 0.50% | 0.50% |
| $10,000.00 - $24,999.99 | 0.50% | 0.50% |
| $25,000.00 - $49,999.99 | 0.50% | 0.50% |
| $50,000.000 - $99,999.99 | 0.55% | 0.55% |
| $100,000.00 or greater | 0.55% | 0.55% |
| deposit amounts | Dividend Rate | apy* |
| $1,000.00 - $9,999.99 | 0.60% | 0.60% |
| $10,000.00 - $24,999.99 | 0.60% | 0.60% |
| $25,000.00 - $49,999.99 | 0.60% | 0.60% |
| $50,000.000 - $99,999.99 | 0.65% | 0.65% |
| $100,000.00 or greater | 0.65% | 0.65% |
| deposit amounts | dividend rate | apy* |
| $1,000.00 - $9,999.99 | 0.70% | 0.70% |
| $10,000.00 - $24,999.99 | 0.70% | 0.70% |
| $25,000.00 - $49,999.99 | 0.70% | 0.70% |
| $50,000.000 - $99,999.99 | 0.75% | 0.75% |
| $100,000.00 or greater | 0.75% | 0.75% |
| deposit amounts | dividend rate | apy* |
| $1,000.00 - $9,999.99 | 0.85% | 0.85% |
| $10,000.00 - $24,999.99 | 0.85% | 0.85% |
| $25,000.00 - $49,999.99 | 0.85% | 0.85% |
| $50,000.000 - $99,999.99 | 0.90% | 0.90% |
| $100,000.00 or greater | 0.90% | 0.90% |
| deposit amounts | dividend rate | apy* |
| $1,000.00 - $9,999.99 | 0.95% | 0.95% |
| $10,000.00 - $24,999.99 | 0.95% | 0.95% |
| $25,000.00 - $49,999.99 | 0.95% | 0.95% |
| $50,000.000 - $99,999.99 | 1.00% | 1.01% |
| $100,000.00 or greater | 1.00% | 1.01% |
| deposit amounts | dividend rate | apy* |
| $1,000.00 - $9,999.99 | 1.05% | 1.06% |
| $10,000.00 - $24,999.99 | 1.05% | 1.06% |
| $25,000.00 - $49,999.99 | 1.05% | 1.06% |
| $50,000.000 - $99,999.99 | 1.10% | 1.11% |
| $100,000.00 or greater | 1.10% | 1.11% |
| deposit amounts | dividend rate | apy* |
| $1,000.00 - $9,999.99 | 1.20% | 1.21% |
| $10,000.00 - $24,999.99 | 1.20% | 1.21% |
| $25,000.00 - $49,999.99 | 1.20% | 1.21% |
| $50,000.000 - $99,999.99 | 1.30% | 1.31% |
| $100,000.00 or greater | 1.30% | 1.31% |
APY=Annual Percentage Yield. Click to view disclosures.
| pre-owned autos | term | APR1 |
| Up to 100% Financing | 0 - 84 Months | 2.74%* - 17.14% |
| first-time buyer new/used | term | APR1 |
| Up to 90% Financing | 0 - 60 Months | 7.49% |
Click here to apply for your pre-owned auto loan.
*Maximum term of 36 months for lowest APR. Rates and terms may vary and are subject to normal credit, underwriting and collateral value guidelines. Auto discounts may apply for GAP, Warranty and/or Debt Protection. Rates and terms subject to change without notice.
| type | term | APR1 |
| New & Used | Up to 60 Months | 7.95% - 17.40% |
Motorcycle financing is only available when purchased through a dealership.
Click here to apply for your motorcycle loan.
MOTORCYCLE LOAN CALCULATORS
Compare what the dealer is offering you to what we can help you with using our Dealer vs Credit Union Financing Calculator. You can also use our Motorcycle Loan Calculator to find the best payment for you.
| card Type | APR1 | card limit |
| VISA Platinum** | 7.90% - 17.90%* | $300 - $25,000 |
Monthly payment is 2% of principal or $18, unless the balance is less than $18.00.
* Depending on your credit score.
**Secured VISA available at 10.90%.
| ready cash line of credit | APR1 | term |
| Up to $35,000 | 12.70% - 18.00% | Open |
*Rates above apply to existing accounts only. Ready Cash no longer available as new account.
| Money management line of credit | APR1 | term |
| Up to $35,000 | 8.25% - 15.25% | Open |
Variable rate based on a current Wall Street Journal Prime Rate + 5.00% - 12.00%
| loan amount | APR1 | term |
| Up to $35,000 | 6.99% - 16.99% | Up to 60 Months |
APR = Annual Percentage Rate
| type | APR1 | term |
| Certificate Secured | 3.00% Above Index | Up to Maturity Date of Certificate |
| Share Secured | 3.00% Above Index | 0 - 120 Months |
| type | APR1 | term |
| New & Used | 5.99% - 17.14% | Up to 144 Months |
Boat financing is only available when purchased through a dealership.
mortgages
People’s Trust is now able to get you quicker pre approvals, better rates, and a more streamlined process between the application and your closing date.
We can help you with a full menu of competitive mortgage programs that include:
1 APR = Annual Percentage Rate
