Merger Update: Our branches, contact center, and digital banking are closed today for merger related system integration. Cards will continue to function as usual. We are working diligently to reopen for business on Tuesday at 9 AM as planned. [Updated: 3/3/25 at 8 AM] Details
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Start Personal Loan

Start Borrowing Smart

Personal Loan Rates

Start Personal Loan

When it comes to this personal loan, the choice of what to buy is entirely up to you. Our Start Personal Loan is part of our Start Financial Program which offers special accounts, learning, and advice for teens.

Start Personal Loan Features:

  • Flexible terms for young members
  • Loan amounts up to $3,000**
  • Low, fixed interest rate

If you’re under 18 years old: We welcome you to apply for a Start Personal Loan, as long as you have a qualified co-borrower. Co-borrowers will have access to monitor and help manage their child’s loan and make a payment through online and mobile banking.

Get All the Details

Special program for teen members

Don’t be nervous if you’re new to this. We’ve built a program just for you! Our Start Personal Loan features flexible terms and excellent rates for members who are just starting out.

Low, fixed interest rates

You can rest easy knowing you’re getting a loan at a low rate (meaning you save money) and that’s fixed (so it will never adjust). We keep it simple!

Borrow up to $3,000 for whatever you need

Purchase a new bike, laptop, phone, or whatever else you may need.

We’ll be your guide from start to finish

You’ll have the guidance of a local loan officer, from application to getting your funds. They’ll be there to answer your questions, and help you get your funds quickly and easily.

It’s Easy to Apply for a Start Personal Loan

Are you 18 years old (or older)?

You have several options to open a new Start Personal Loan:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because a parent or guardian must be a co-borrower on your Start Personal Loan, please:

For additional information
  • Send us a secure email inside Online Banking.
  • Call us at 503-626-6600, Mon – Fri, 8am – 6pm.

Boost your money smarts with free online learning

Your Start Personal Loan comes with access to our free, online Financial Education Center where you can learn the basics when it comes to your finances. Check out a sample of the modules below.

*APR = Annual Percentage Rate

**Start Personal loans are subject to credit approval.