Personal Loans

Back to School Made Easier!

A personal loan is an unsecured loan that can be used for almost anything. You could pay for a back-to-school expenses, Christmas Gifts, or even a new backyard pool. The rates are a little higher than they are for secured loans, but their flexibility makes them a popular choice.

• Unsecured loan
• Can be used for almost anything
• Easy to apply

With a line of credit, you get the security of additional funds without having to apply for a loan. It’s a ready supply of cash that’s there for whatever, whenever you need it most.

• Security of additional funds
• No need to apply for a loan
• Deposit into your checking account

Once you’re approved, the line of credit stays open whether you carry a balance or not. And you won’t need to wait for anyone to process a mountain of paperwork each time you need funds. Unlike a loan, a line of credit is available up to its established limit as long as you make your payments on time.

If you’re looking to improve your credit, look no further than this credit builder loan. Our credit repair and credit-building loans are designed to help you boost your score in just one year. Great for building or rebuilding credit.

While you pay your credit builder loan on time with us, we’ll report your timely payments to all three credit bureaus. And once you achieve the score you want, you can qualify for better rates on loans for big purchases like a car or home.

Credit Cards

With our new Rewards card, earn points on purchases that can be redeemed for travel, entertainment, and more.

Earn Points on All Purchases

• 1% reward on all purchases
• 2% percent reward on gas and groceries

Great Start Bonuses

• Earn 10,000 points ($100 value) for spending $2,500
• Earn 500 Points ($5 value) just for checking out the rewards site

No Transaction Fees

Redeem Points for:

• Cash
• Statement Credit
• Gift Cards
• Travel
• Charity
• Merchandise
• Sports Tickets
• And more

Visit our Rewards Site to see the different options for cashing in your points.

Expand access to your money and credit with the Kelly Community MasterCard® that is backed with the relationships you know and trust.

• Introductory balance transfer rate as low as 5.90% APR* for the transferred balance until paid off
  
• Lower rate than most bank-issued credit cards
• No annual fee
• No cash advance fee for in-branch transactions**

Use the CardControl® app to turn your card on and off, restrict purchases made with the card, and more.

Secure Online Transactions (SOT) OTP code terms and conditions for online transactions using your debit and credit card. Please read these terms and conditions in their entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below.
1. When making an online transaction that requires OTP, an OTP will be sent to the phone number or email registered in Kelly Community FCU’s system. You must then enter this OTP to complete your transaction on your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Kelly Community FCU is not responsible for the rejection by such merchant to accept your card payments on this basis.
2. By using this OTP service:
   a. You agree to provide your data required for the transaction authorization process in the use of this OTP service.
   b. You agree to keep the confidentiality of your card number and personal information that you have entered for this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences related to all transactions taking place using this service.
   c. You understand that the OTP service can be used only for transactions at the online merchants that are enrolled in EMV 3DS.
   d. You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions.
   e. You understand that messages and data rates may apply for using this service.