1. Complete a Loan Application - either online or you may call (Hickory Area) 828-901-5290 or (Outside Hickory Area) 1-800-728-8088. No collateral is needed for a personal loan, just six months membership with the credit union.

Using Car Title As Collateral - The credit union is able to lend money for personal purposes based on the average trade-in value of your vehicle. This is a great way to pay off credit cards, pay for home repairs, or that unexpected expense at a lower (vehicle loan) rate and six months membership is waived.

2. Approval Process-Most loan request will receive a response within 24 hours. The approval of the loan is dependent upon such criteria as ability to pay, credit history, and purpose. If the credit union is unable to approve your request, you are entitled to and will receive an explanation of why the loan cannot be approved.

3. Terms-Will vary depending on borrowed amount.  No member may borrow more than $10,000 on an unsecured loan or line of credit.

4. Payment Options-Setting up payroll deduction to your account is the most convenient and worry free payment method. Payroll will deposit a designated amount to your account each pay period and the last day of the month the loan payment will be automatically withdrawn from your primary savings account. You may also, make your payments using a coupon book. Your loan can be paid off at anytime with no penalty.