First Financial Credit Union - Personal Loans

Flex Line of Credit

As a line of credit, you can conveniently access funds at a branch or by transferring to your FFCU savings or checking account. The Flex Line of Credit can also be used as overdraft protection for your checking account. There are no annual fees or fees for overdraft transfers.



  • No charge for transferring funds as overdraft protection
  • No annual fees
  • Monthly payments are 3% of account balance, with a minimum of $50


Application Requirements:
To complete the loan application process, we need to receive the following:

  • A Photo ID
  • A Recent Paystub
  • You don’t have to be a member to apply, but you will need a membership before we can disburse loan funds.


Rates and Fees

Loan TypeRates (APR*)
Signature (Unsecured) Loan8.99%
Flex Line of Credit11.99%
CD/Share Secured Loan2.99%
Quinceanera Loan8.99%


Approximate Monthly Payment per $1000 Borrowed: The greater of 3% of loan balance or $50

* APR = Annual Percentage Rate. Rates are subject to change without notice. Your Actual Annual Percentage Rate will be based upon your individual credit worthiness, loan amount, term of loan, and applicable prepaid items.

View All Account Fee Schedules