Take care of something serious. Or cut loose and have some fun.
Life happens. The car breaks down. The furnace goes cold. Medical bills pile up. We've got your back and can provide Personal Loans to help you manage challenges of all types. But here's a pro tip: You can also get an affordable loan for something that makes you and your family happy - perhaps a nice vacation, a backyard deck or some state-of-the-art tech.
Personal Loan Types
- Signature Loans: No collateral (like a house or car) is needed. Your relationship with Integra First and a solid credit score mean we trust you to make on-time payments.
- One Payment Loans: Most loans are installment loans, meaning you make a payment each month until the loan is paid off. A One Payment Loan is just what it sounds like - you pay off the loan in full by a certain date.
- Certificate of Deposit/Share Secured Loans: These are excellent loans for people trying to rebuild their credit rating or keep their savings momentum going. Your loan is secured by funds in your Integra First accounts. You can borrow up to the account balance while growing your savings and keeping your nest egg intact.
Other Loan Features
- Borrow money for almost any purpose
- Competitive rates keep your monthly payments under control
- Flexible repayment periods
- Schedule convenient automatic payments through Digital Banking
- Often used to pay down higher-interest loans and credit card balances
Personal Loan Rates
| Loan | Maximum Term (Up to 60 Months) | APR* as low as | Monthly Payment Per $1000 Borrowed |
|---|---|---|---|
| Unsecured Personal Loans | 36 Months | 10.00% | $32.28 |
| Unsecured Personal Loans | 48 Months | 10.50% | $25.62 |
| Unsecured Personal Loans | 60 Months | 11.50% | $22.01 |
| Term Certificate/Share Secured Loans | 60 Months | 4.00% | $18.42 |
| Single Payment Loans | 90 Day Note | 14.25% | $1,000.00 |
Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.