Personal Loans

We get you the money you need to get on with your life.

Apply nowSchedule an Appointment

Here to help, no matter what life throws your way

Whether for an unexpected emergency or a planned expense, look to Meridian Trust for easy borrowing and low rates.

  • Money 3 class="wrapper">

    Set monthly payments

    A personal loan is different from a credit card because it has a fixed term and set monthly payments.

  • Rates class="wrapper">

    Competitive rates

    At Meridian Trust, your good credit rating equals lower interest rates on personal loans.

  • Loans class="wrapper">

    No prepayment penalties

    We let you get ahead on paying off your personal loan early!

Personal loan rates

Loan rates are based on the members’ credit bureau report, term (length) of the loan, and the members’ relationship with the Credit Union.

Unsecured Personal Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of November 3, 2022. Age 18 or older, membership and credit qualification required. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

Term

Up to 60 months

APR* as low as

8.90%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type

Term

APR* as Low as

Estimated Payment

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of September 9, 2022. Age 18 or older, membership and credit qualification required. Must have a credit score of 720 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed.

Unsecured Solar Panel Loan Type

10 Year Fixed Rate

Term

120 Months

APR* as Low as

6.00%

Estimated Payment

$333.06

Unsecured Solar Panel Loan Type

12 Year Fixed Rate

Term

144 Months

APR* as Low as

6.50%

Estimated Payment

$300.58

Unsecured Solar Panel Loan Type

15 Year Fixed Rate

Term

180 Months

APR* as Low as

7.00%

Estimated Payment

$269.65

Home Equity Loans

Draw Period

Repayment Period

APR* as low as

Adjust/Reprice

Max LTV

*APR = Annual Percentage Rate. Requires minimum credit score of 600, membership, and credit approval. 4.99% APR introductory rate for the first year. After one-year promotional period, WS Prime Rate for those with credit scores of 700 and above; WS Prime Rate + 1.00% credit scores 650-699; and WS Prime Rate + 2.00% credit scores below 650. 10-year draw, with 20-year repayment period. No origination fee. No annual fee. CLTV (Combined Loan to Value) of 90% maximum. Adjustable rate floor is 4.00%, rate ceiling is 18.00%. Payment in draw period is interest only. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Limited time only, rate shown effective as of November 7, 2022. Rate subject to change and offer may end at any time without notice. Home Equity Loans can be used for Solar Panel purchases. Questions? Call us at 800.726.5644.

Draw Period

120 months

Repayment Period

240 months

APR* as low as

4.99%

Adjust/Reprice

For 12 Months

Max LTV

Lesser of 90% CLTV or $500,000

Get in touch about a personal loan today!

Apply in person
Schedule an Appointment
Apply online today
Get started now
Call us