Personal Loans
Fresh Start Loan
One Loan. One Payment. More Peace of Mind.
Hit reset with our Fresh Start Loan**, with rates as low as 7.99% APR*. It’s an easy way to roll high-rate loan and/or credit card balances into one manageable payment and move forward with confidence.
We make it easy to get the loan you need with personalized service, competitive rates, and guidance every step of the way.
Personal Loans
County Schools personal loan is a flexible, reliable way to cover life’s expenses, planned or unexpected. Whether you’re consolidating high-interest debt, handling emergency costs, making home improvements, or funding a major purchase, a personal loan gives you the freedom to use the funds where you need them most.
With competitive rates, predictable monthly payments, and no collateral required, it’s a smart alternative to high-rate credit cards. Plus, you’ll get the trusted, local service County Schools is known for—helping you move forward with confidence and stay in control of your finances.
Credit Builder Loans
Help rebuild your credit! The Credit Builder acts like a personal loan with loan amounts up to $5,000.00 and terms up to four years. With this loan, there is an $800.00 immediate disbursement to pay off collection items and the rest is released as you make payments.
Share Secured Loans
Borrow up to 100% of your savings or certificate balance while you continue to save money and earn dividends.
Checking Account Overdraft Line of Credit
CSFCU’s Overdraft Loan provides you the flexibility of using your checking account without the stress of having items returned! With a revolving Line of Credit ranging from $500.00 to $1,000.00 loan amount, items will be paid and you will avoid a fee.
**Terms up to 60 months. Your rate may vary depending on credit history, credit profile, loan amount, term, and underwriting factors. Rate will not go below the applicable floor rate for the loan type as defined in the approved consumer loan rate sheet. Loan proceeds must be used for debt consolidation and will be paid directly to creditors. $500 minimum loan amount. This offer may not be combined with any other promotions, rate matches, or discretionary rate adjustments. Promotion valid from 04/01/2026 through 05/31/2026 and may end at any time, with or without notice. County Schools membership required. All credit union loan programs, rates, terms, and conditions are subject to change without notice.