Personal Loans

Loans that enhance your life and fit your goals.

Whether you’re consolidating debt, covering expenses, or planning something big, Vibe has lending options that make it easier to move forward. With flexible terms, competitive rates, and local decision-making, our personal loans are built to help you borrow with purpose.

Your goals are personal, and your loan should be, too.



Life Happens. We've got a Loan for That.









Vibe's Signature Loans are delivered with a personal touch.

Our Signature Loan gives you the freedom to take control of your finances. Consolidate debt, cover unexpected expenses, or make a major purchase with a fixed-rate loan and flexible terms that fit your goals and your budget.

  • Borrow from $250 to $50,000

  • Fixed rates with terms up to 60 months

  • Rate discounts for direct deposit and automatic payments

  • Additional rate discount for members with a Vibe Mortgage or Home Equity Loan

  • No pre-payment penalties

  • Local decision-making and trusted member support

Approval and rate are based on individual credit history. New members must qualify for membership and deposit $5 in a Vibe Savings Account. 





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Personal Line of Credit (LOC)

  • Borrow from $500 to $5,000

  • Fixed-rate, revolving line of credit

  • Payments set at 3% of the balance or $15 (whichever is higher)

  • Due date on the 25th of each month

  • Optional overdraft protection with no fee

  • Easy access to funds whenever you need them

 
Approval and rate are based on individual credit history. New members must qualify for membership and deposit $5 in a Vibe Savings Account. 









Credit Building Loan Options

These loans are a good choice for anyone who may have had financial challenges that make it difficult to qualify for a traditional loan, or who are looking to build credit. 
 
Credit Builder Loan
  • Loan amounts from $1,000 to $5,000
  • Terms up to 60 months
  • Funds placed on hold in a Vibe Share Account during the loan
Share Secured Loan
  • Loan amounts up to $250,000
  • Terms up to 60 months
  • Funds placed on hold in a Vibe Share Account during the loan
CD Secured Loan
  • Loan amounts up to $250,000
  • Terms up to 60 months
  • Funds placed on hold in a Vibe CD during the loan

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"I needed a new furnace during the coldest weather. The process was quick and easy."
Myron L.












Your Personal Loan Questions, Answered

A share- or CD-secured loan uses your savings or certificate as collateral, allowing you to borrow at a much lower rate. Your funds stay safely in your account and continue earning dividends while you repay the loan.
Secured loans are great if you're building or rebuilding credit, want a lower interest rate, or prefer a simple, predictable way to borrow without touching your savings.
The amount you pledge is placed on hold while the loan is active. Once the loan is paid off, your funds are released. Your funds will earn dividends, however, the entire time the loan is active. 
Yes. On-time payments are reported to the credit bureaus and can help you build or strengthen your credit history over time.