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Loan Rates | Savings Rates

Business Banking Services

Your business matters. Inspire FCU has everything you need to start a new venture or expand your current business. Our goal is to offer convenient business banking services while building a lasting, and mutually beneficial relationship with your business. Whether your business is a single employee startup, or established organization with many employees, Inspire FCU has the right financial services to help meet your business needs.
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Inspire Personal Loan Options

With Inspire Personal Loans you can use the funds for whatever you need and have immediate access to your account details and payments via digital banking. Why dig into your savings when you need the extra cash? Leverage the power of a personal loan or line of credit from Inspire FCU and receive great terms at competitive rates.
What We Offer:
  • Personal Line of Credit

  • Unsecured Loan

  • Secured Loan

  • Fresh Start Loan

  • Our members use these loans for home projects, medical expenses, debt consolidation, vacation, and recreational vehicle purchase.

Personal Loan Products

Everyone’s financial situation is different. Whether Unsecured or Secured, you can be sure you will get competitive rates, flexible terms, and Inspire Choice Protection to protect yourself in the event of an emergency.
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Unsecured Personal Loan

Don’t have collateral to back your loan? An Unsecured Personal Loan is supported by your creditworthiness and is commonly used for consolidating debt, making home improvements, paying off medical bills or high rate credit cards, and vacations.
  • Receive cash at closing

  • Power to purchase now and pay later

  • Fixed Rate Loan with terms up to 60 months

  • Borrow as little as $500 or as much as $25,000

*Please visit our rates page for full disclosure and account terms and conditions.
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Secured Personal Loan

Looking to build your credit? Need to make a big purchase but don’t want to dip into your savings? A Secured Personal Loan allows you to borrow against your savings accounts and receive a low-rate loan, all while still earning interest on your deposit. It’s commonly used for consolidating debt, building credit, paying off medical bills or high rate credit cards, and used vehicles.
**Please visit our rates page for full disclosure and account terms and conditions.
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Personal Line Of Credit

Have peace of mind knowing you’ll be able to access your funds whenever the need arises. With a personal line of credit, you can withdraw any amount of money you’d like (up to your available credit limit) and link it to your checking account for overdraft protection. Plus, each time you make a payment, you’ll renew your line of credit, allowing you to use that money again without re-applying for a new loan. You can also easily advance funds to your Inspire FCU checking account for quick use with your debit card.
  • Competitive rates with flexible terms

  • Borrow only what you need, and pay only on the balance of your loan

  • 10 year draw

  • Borrow as little as $500 or as much as $15,000

  • Payments are calculated at 3% of your balance or $25, whichever is greater***

Our Fresh Start Loan Program

Based on 10% APR**** and 12 month terms
Want to establish credit or repair poor credit? A Fresh Start Loan offers an inspiring solution. With low rates and affordable payment plans, simply secure your amount, pay it back on time, and your positive payment history will be reported to credit bureaus. When you have repaid it in full, you’ll have access to the funds which have been on hold in your savings account.
  • Establish credit while building your savings

  • Positive payment history reported to credit bureaus

  • 12 month loan

  • Loan amounts up to $2,000

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Loan Amount Payment Amount

* Please visit our rates page for full disclosure and account terms and conditions.
**APR = Annual Percentage Rate. Payments will vary. APR will be derived from the current dividend rate on account + 3% APR. Example: A share account has a dividend rate of 0.05% APY, the secured loan will be subject to a 3.05% APR. Subject to approval. Rates are subject to change without notice.
***APR = Annual Percentage Rate. Personal Line of Credit is subject to approval and borrowers eligibility to meet credit requirements. Personal line of credit is a variable rate product. The APR for new and existing balances will be the Wall Street Journal Prime Rate (index), plus a margin of 4.75%. The index plus a margin equals the interest rate. Changes in the index will cause changes in the interest rate on the first day of the month following the change in prime rate. In no event will the regular APR exceed 18% per annum or the maximum allowed by applicable law. The minimum monthly payment is 3% of the current loan balance at the end of the statement cycle or $25, whichever is greater. For additional details visit
**** APR = Annual Percentage Rate. This is a fixed rate loan and will not increase during the original terms of the Fresh Start Loan. Since this loan is secured by the funds we place in an account on your behalf, your credit history is not considered in the approval process.

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