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class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Deposit Accounts page in same window' data-page-id='39' data-depth='1' data-nodisclaimer="true">Deposit Accounts</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/deposit-accounts/checking-accounts' target='_self' title='Opens internal link to Checking Accounts page in same window' data-page-id='42' data-depth='2' data-nodisclaimer="true">Checking Accounts</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/deposit-accounts/checking-accounts#regular' target='_self' title='Opens internal link to Regular Checking page in same window' data-page-id='249' data-depth='2' data-nodisclaimer="true">Regular Checking</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/deposit-accounts/checking-accounts#student' target='_self' 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data-page-id='40' data-depth='1' data-nodisclaimer="true">e-Services</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking' target='_self' title='Opens internal link to Internet & Mobile Banking page in same window' data-page-id='80' data-depth='2' data-nodisclaimer="true">Internet & Mobile Banking</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking#mobilebanking' target='_self' title='Opens internal link to Mobile Banking page in same window' data-page-id='261' data-depth='2' data-nodisclaimer="true">Mobile Banking</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking#billpay' target='_self' title='Opens internal link to Bill Payment page in same window' data-page-id='262' data-depth='2' data-nodisclaimer="true">Bill Payment</a> </div><div 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href='/deposit/e-services/internet-mobile-banking#wiretransfer' target='_self' title='Opens internal link to Wire Transfers page in same window' data-page-id='265' data-depth='2' data-nodisclaimer="true">Wire Transfers</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/account-services/insurance' target='_self' title='Opens internal link to TruStage Accidental Death & Dismemberment Coverage page in same window' data-page-id='267' data-depth='2' data-nodisclaimer="true">TruStage Accidental Death & Dismemberment Coverage</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/account-services/insurance#autolife' target='_self' title='Opens internal link to TruStage Auto, Home & Life Insurance Products page in same window' data-page-id='268' data-depth='2' data-nodisclaimer="true">TruStage Auto, Home & Life Insurance Products</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/account-services/insurance#creditlife' target='_self' title='Opens internal link to Credit Life & Disability Insurance page in same window' data-page-id='269' data-depth='2' data-nodisclaimer="true">Credit Life & Disability Insurance</a> </div></div></div></div></div><div class='nav-family' data-depth='0' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to About Us page in same window' data-page-id='35' data-depth='0' data-nodisclaimer="true">About Us</a> <div class='nav-children' data-depth='0'><div class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Visit Us page in same window' data-page-id='138' data-depth='1' data-nodisclaimer="true">Visit Us</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/contact-us' target='_self' title='Opens internal link to Contact Us page in same window' 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target='_self' title='Opens internal link to Our History page in same window' data-page-id='141' data-depth='2' data-nodisclaimer="true">Our History</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/about-us/about-us/what-is-a-credit-union' target='_self' title='Opens internal link to What is a Credit Union? page in same window' data-page-id='144' data-depth='2' data-nodisclaimer="true">What is a Credit Union?</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/about-us/about-us/how-can-i-join' target='_self' title='Opens internal link to How Can I Join? page in same window' data-page-id='147' data-depth='2' data-nodisclaimer="true">How Can I Join?</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/about-us/about-us/newsletters' target='_self' title='Opens internal link to Newsletters page in same window' data-page-id='150' data-depth='2' data-nodisclaimer="true">Newsletters</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/about-us/about-us/inclusion' target='_self' title='Opens internal link to Inclusion page in same window' data-page-id='157' data-depth='2' data-nodisclaimer="true">Inclusion</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/about-us/about-us/employment' target='_self' title='Opens internal link to Employment page in same window' data-page-id='588' data-depth='2' data-nodisclaimer="true">Employment</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/what-s-new' target='_self' title='Opens internal link to What's New page in same window' data-page-id='918' data-depth='2' data-nodisclaimer="true">What's New</a> </div></div></div><div class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Policies & Disclosures page in same window' data-page-id='140' data-depth='1' data-nodisclaimer="true">Policies & Disclosures</a> 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95<a class='nav-item' href='/about-us/policies-disclosures/other-policies-disclosures' target='_self' title='Opens internal link to Other Policies & Disclosures page in same window' data-page-id='214' data-depth='2' data-nodisclaimer="true">Other Policies & Disclosures</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/about-us/policies-disclosures/mission-statement' target='_self' title='Opens internal link to Mission Statement page in same window' data-page-id='239' data-depth='2' data-nodisclaimer="true">Mission Statement</a> </div></div></div></div></div><div class='nav-family' data-depth='0' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Borrow page in same window' data-page-id='33' data-depth='0' data-nodisclaimer="true">Borrow</a> <div class='nav-children' data-depth='0'><div class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Loan Products page in same window' data-page-id='95' data-depth='1' data-nodisclaimer="true">Loan Products</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/loan-products/personal-loans' target='_self' title='Opens internal link to Personal Loans page in same window' data-page-id='97' data-depth='2' data-nodisclaimer="true">Personal Loans</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/loan-products/vehicle-loans' target='_self' title='Opens internal link to Vehicle Loans page in same window' data-page-id='100' data-depth='2' data-nodisclaimer="true">Vehicle Loans</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/loan-products/credit-cards' target='_self' title='Opens internal link to Credit Cards page in same window' data-page-id='106' data-depth='2' data-nodisclaimer="true">Credit Cards</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/loan-products/mortgages' target='_self' title='Opens internal link to Mortgage Loans page in same window' data-page-id='118' data-depth='2' data-nodisclaimer="true">Mortgage Loans</a> </div></div></div><div class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Tools & Resources page in same window' data-page-id='96' data-depth='1' data-nodisclaimer="true">Tools & Resources</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/tools-resources/loan-pay' target='_self' title='Opens internal link to Loan Pay page in same window' data-page-id='122' data-depth='2' data-nodisclaimer="true">Loan Pay</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/tools-resources/skip-a-pay' target='_self' title='Opens internal link to Skip-A-Pay page in same window' data-page-id='129' data-depth='2' data-nodisclaimer="true">Skip-A-Pay</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/borrow/loan-products/mortgages#servicing' target='_self' title='Opens internal link to Mortgage Servicing page in same window' data-page-id='135' data-depth='2' data-nodisclaimer="true">Mortgage Servicing</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='https://merco.originate.fiservapps.com/PQXYwl4yuGnRBcZ' target='_blank' title='Opens external link to Apply Now page in new window' data-page-id='136' data-depth='2' data-nodisclaimer="true">Apply Now</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/rates#loanrates' target='_self' title='Opens internal link to Rates page in same window' data-page-id='271' data-depth='2' data-nodisclaimer="true">Rates</a> </div></div></div></div></div><div class='nav-family' data-depth='0' ><a class='nav-item' href='https://swivelpay.com/login?institutionId=1143d583-1942-4e79-9f23-e02c459781ec' target='_blank' title='Opens external link to Loan Pay page in new window' data-page-id='36' data-depth='0' data-nodisclaimer="true">Loan Pay</a> </div><div class='nav-family' data-depth='0' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Resources page in same window' data-page-id='34' data-depth='0' data-nodisclaimer="true">Resources</a> <div class='nav-children' data-depth='0'><div class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to e-Services page in same window' data-page-id='169' data-depth='1' data-nodisclaimer="true">e-Services</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking' target='_self' title='Opens internal link to Internet & Mobile Banking page in same window' data-page-id='171' data-depth='2' data-nodisclaimer="true">Internet & Mobile Banking</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking#billpay' target='_self' title='Opens internal link to Bill Payment page in same window' data-page-id='172' data-depth='2' data-nodisclaimer="true">Bill Payment</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking#estatements' target='_self' title='Opens internal link to e-Statements page in same window' data-page-id='173' data-depth='2' data-nodisclaimer="true">e-Statements</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/internet-mobile-banking#checkorders' target='_self' title='Opens internal link to Check Orders page in same window' data-page-id='175' data-depth='2' data-nodisclaimer="true">Check Orders</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/e-services/zelle' target='_self' title='Opens internal link to Zelle® page in same window' data-page-id='176' data-depth='2' data-nodisclaimer="true">Zelle®</a> </div><div class='nav-family' data-depth='2' ><a class='nav-item' href='/calculators' target='_self' title='Opens internal link to Financial Calculators page in same window' data-page-id='782' data-depth='2' data-nodisclaimer="true">Financial Calculators</a> </div></div></div><div class='nav-family' data-depth='1' data-has-children="true"><a class='nav-item' href='#' target='_self' title='Opens internal link to Additional Services page in same window' data-page-id='170' data-depth='1' data-nodisclaimer="true">Additional Services</a> <div class='nav-children' data-depth='1'><div class='nav-family' data-depth='2' ><a class='nav-item' href='/deposit/account-services/insurance' target='_self' title='Opens internal link to TruStage Insurance page in same window' data-page-id='177' data-depth='2' 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96 <span class="fa-solid fa-bars"></span> 97 <span class="visually-hidden">Menu</span> 98 </a> 99 <div class="olb-wrapper"> 100 <button class="nav-icon-link button button-secondary btn-olb"><i class="fa-solid fa-lock"></i>Login</button> 101 <dialog class="dialog-modal" id="olb-dialog"> 102 <div id="obContainer"> 103 <div id="obContent"> 104 <h2>Online Banking</h2> 105 <div id="login"> 106 <form id="pbi-form" name="pbi-form" class="olb-form" method="POST" autocomplete="off"> 107 <input id="UserName" type="text" name="UserName" placeholder="Enter User ID" autocapitalize="none" required="" aria-label="User ID"> 108 <div> 109 <input id="Password" type="password" name="password" placeholder="Enter Password" autocapitalize="none" required="" aria-label="Enter Password"> 110 <button type="submit" id="pbi-submit" class="button button-secondary" disabled>Go</button> 111 </div> 112 </form> 113 114 <ul class="olb-links"> 115 <li>Not Enrolled? <a href="https://online.merco.org/auth/Enrollment?CultureName=en" title="Link to enroll in Enroll in Online Banking" class="nodisclaimer">Sign Up Today</a></li> 116 <li>Forgot <a href="https://online.merco.org/auth/ForgottenUserId?CultureName=en" title="Link to Recover User ID" class="nodisclaimer">User ID</a> or <a href="https://online.merco.org/auth/ForgottenPassword?CultureName=en" title="Link to Reset Password" class="nodisclaimer">Password</a></li> 117 </ul> 118 119 </div> 120 </div><!-- End of obContent --> 121 </div> 122 </dialog> 123</div>
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124 </nav> 125 </div> 126</header><section class="page-title" aria-label="page title" /uploads/userfiles/files/images/personalloans.webp> 127 <img src="/uploads/userfiles/files/images/personalloans.webp" alt=""> 128 <div class="page-title-text"> 129 <h1>Personal Loans</h1> 130 </div> 131</section> 132<main class="content subcontent"> 133 <div id="content-anchor" class="maincontent"> 134 <div class="container flow "> 135 <div class="boxes" data-block="”**BLOCK-NAME**”"><div class="box"><h2>Line of Credit</h2><p>A line of credit allows you access to cash on hand for any purpose, at any time. You can use your line of credit for overdraft protection and never worry about “bouncing” a check again.</p></div><div class="box"><h2>Holiday Loan</h2><p>Our Holiday Loan Special provides you with a little extra cash around the holidays. Borrow up to $1,500 for 12 months at a low annual percentage rate of 10% (Offer ends December 31, 2026).</p></div><div class="box"><h2>Signature Loan</h2><p>Use a signature loan for one-time purchases and pay off your loan in a set amount of time. Signature loans are great for debt consolidation, home improvement projects, vacations, weddings and other expenditures.</p></div><div class="box"><h2>Secured Loan</h2><p>Use the funds in your savings or certificate account as collateral, while continuing to earn dividends and receive an ultra-low loan rate.</p></div></div><p style="text-align: center;"><a class="button button-primary" href="/rates" target="_self" title="Internal link in same tab to Rates page">Rates</a> <a class="button button-secondary mt-0 ; nodisclaimer" href="https://merco.originate.fiservapps.com/PQXYwl4yuGnRBcZ" target="_blank" title="Personal Loan Application site opens in new tab">Apply Now</a></p> 136 </div> 137</div></main> 138 139<footer class="footer"> 140 <div class="icon-callouts"> 141 <div class="border-callout"> 142 <img alt="" src="/images/icons/icon_checkbox.png"> 143 <p class="border-header">Become A<br>Member</p> 144 <a href="/about-us/about-us/how-can-i-join" title="Internal link in same tab to How Can I Join? page">How Can I Join?</a> 145 </div> 146 <div class="border-callout"> 147 <img alt="" src="/images/icons/icon_email.png"> 148 <p class="border-header">Email Us<br>for help</p> 149 <a href="/contact-us#email" title="Internal link in same tab to Contact Us page">Contact Us</a> 150 </div> 151 <div class="border-callout"> 152 <img alt="" src="/images/icons/icon_checkbox.png"> 153 <p class="border-header">Apply Now<br>for a Loan</p> 154 <a data-nodisclaimer="true" href="https://merco.originate.fiservapps.com/PQXYwl4yuGnRBcZ" title="External link in new tab to apply for a loan page" target="_blank">Apply for a loan</a> 155 </div> 156 <div class="border-callout"> 157 <img alt="" src="/images/icons/icon_find.png"> 158 <p class="border-header">Find Us<br>Locations & Hours</p> 159 <a href="/locations" title="Internal link in same tab to Locations page">Locations</a> 160 </div> 161</div> 162 <div class="sec-copyright"> 163 <div class="sec-footernav"> 164 <div class="footernav-column"> 165 <p class="footernav-header">Get In Touch</p> 166 <a href="/contact-us" title="Internal link in same tab to Contact Us page">Contact Us</a> 167 <a href="/locations" title="Internal link in same tab to Locations & Hours page">Locations & Hours</a> 168 <a href="/about-us/about-us/how-can-i-join" title="Internal link in same tab to How Can I Join? page">How Can I Join?</a> 169 </div> 170 <div class="footernav-column"> 171 <p class="footernav-header">How Can We Help?</p> 172 <a href="/contact-us#call" title="Internal link in same tab to Report Lost / Stolen Card page">Report Lost / Stolen Card</a> 173 <a href="/deposit/e-services/internet-mobile-banking" title="Internal link in same tab to Online Check Orders page">Online Check Orders</a> 174 <a href="/rates" title="Internal link in same tab to Rates page">Rates</a> 175 </div> 176 <div class="footernav-column"> 177 <p class="footernav-header">Policies & Disclosures</p> 178 <a href="/about-us/policies-disclosures/privacy-policies" title="Internal link in same tab to Privacy Policies page">Privacy Policies</a>
179 <a href="/about-us/policies-disclosures/other-policies-disclosures" title="Internal link in same tab to Other Policies & Disclosures page">Other Policies & Disclosures</a> 180 <a class='legal-link' title='Internal link to manage cookie preferences' href='javascript:return false;' onclick='Osano.cm.showDrawer();'>Cookie Preferences</a> <a class='legal-link' title='Internal link to opt-in or opt-out of selling my personal information.' href='javascript:return false;' onclick='Osano.cm.showDoNotSell();'>Your Privacy Choices<img class='data-privacy-icon ml-1' src='https://cdn.forbinservices.com/resources/images/data-privacy/privacyoptions.png' alt='Data Privacy Opt-Out Icon' /></a> </div> 181 </div> 182 <div class="policy-links"> 183 <p class="forbin-link">© 2026 MERCO Credit Union. All rights reserved. Insured by NCUA. Equal Housing Lender</p> 184 <p>Credit Union Websites & Marketing by <a href="https://www.forbinfi.com/" target="_blank" title="External link opens VGM Forbin in a new window">forbinfi</a></p> 185 </div> 186 187 <div class="bank-legal"> 188 <svg xmlns="http://www.w3.org/2000/svg" class="logo-ncua" width="541" height="253" viewBox="0 0 541 253"> 189 <title>External link to NCUA website</title> 190 <path stroke="#FFF" d="M.5.5h540v252H.5z"/> 191 <path stroke="#FFF" stroke-width="6" d="M23.4 23.5h495.1v207H23.4z"/> 192 <path fill="#FFF" d="M110.6 39.9l1.6-4.4h2.5l-3 6.9v4.5h-2.3v-4.5l-3-6.9h2.6l1.6 4.4zm3.7.8c.1-.6.3-1 .6-1.4.3-.4.6-.7 1-.9.4-.2 1-.3 1.6-.3.7 0 1.2.1 1.6.3.4.2.8.5 1 .9.3.4.4.9.5 1.4.1.6.2 1.2.2 2 0 .7-.1 1.4-.2 2-.1.6-.3 1-.6 1.4-.3.4-.6.7-1 .8-.4.2-1 .3-1.6.3-.7 0-1.2-.1-1.6-.2-.4-.2-.8-.5-1-.8-.3-.4-.4-.9-.5-1.4-.1-.6-.2-1.2-.2-2 .1-.9.1-1.6.2-2.1zm2.1 3.1c0 .4.1.7.2 1 .1.3.2.5.4.6.2.1.4.2.6.2.4 0 .8-.2.9-.7.2-.5.3-1.2.3-2.3 0-1.1-.1-1.9-.3-2.3-.2-.5-.5-.7-.9-.7-.3 0-.5.1-.6.2-.2.1-.3.4-.4.6-.1.3-.1.6-.2 1v2.4zm10.3 2.1c-.2.4-.5.7-.9.9-.4.2-.8.3-1.3.3-.7 0-1.2-.2-1.6-.6-.4-.4-.6-1-.6-1.8v-6.4h2.2v5.9c0 .4.1.8.2.9.1.2.4.3.7.3.8 0 1.2-.5 1.2-1.4v-5.7h2.2v8.6h-2.1v-1zm5.9-7.6v1.2c.2-.4.5-.7.8-1 .3-.3.7-.4 1.2-.4h.4v2.1h-.6c-.2 0-.4 0-.6.1-.2.1-.4.1-.5.3-.2.1-.3.3-.4.5-.1.2-.1.4-.1.7V47h-2.2v-8.6h2zm9 6.1c0 .4.1.7.3.9.2.2.5.3.9.3.3 0 .6-.1.8-.3.2-.2.3-.4.3-.8 0-.3-.1-.5-.2-.6-.2-.1-.3-.3-.6-.3l-1.6-.6c-.6-.2-1.1-.5-1.4-.9-.3-.4-.5-.9-.5-1.5 0-.4.1-.7.2-1 .1-.3.3-.6.6-.8.3-.2.6-.4 1-.6.4-.1.9-.2 1.4-.2 1 0 1.7.2 2.2.6.5.4.7 1 .7 1.8v.4h-2c0-.4-.1-.8-.2-1-.1-.2-.4-.3-.8-.3-.3 0-.5.1-.7.2-.2.2-.3.4-.3.7 0 .2.1.4.2.6.1.2.4.3.8.4l1.3.6c.7.2 1.2.5 1.5.9.3.4.4.9.4 1.5 0 .5-.1.9-.2 1.2-.2.3-.4.6-.7.8-.3.2-.6.4-1 .5-.4.1-.8.1-1.3.1-.6 0-1.1-.1-1.5-.2-.4-.1-.7-.3-1-.5-.2-.2-.4-.5-.5-.9-.1-.3-.1-.7-.1-1.1V44h2v.4zm5.6-3.7c0-.5.1-.9.2-1.3.2-.3.4-.6.6-.8.3-.2.6-.4 1-.4.4-.1.8-.1 1.2-.1.7 0 1.2.1 1.6.2.4.1.7.3.9.5.2.2.4.5.5.8.1.3.1.7.1 1.1v4.5c0 .4 0 .7.1.9 0 .2.1.5.2.7h-2.1c-.1-.1-.1-.3-.2-.4 0-.2-.1-.3-.1-.5-.3.4-.6.7-.9.9-.3.1-.8.2-1.3.2-.4 0-.7-.1-1-.2s-.5-.3-.6-.6c-.2-.2-.3-.5-.4-.8-.1-.3-.1-.6-.1-.9 0-.4 0-.8.1-1 .1-.3.2-.5.4-.8.2-.2.4-.4.7-.5.3-.1.6-.3 1-.4l1.2-.3c.3-.1.6-.2.7-.4.1-.1.2-.4.2-.7 0-.3-.1-.6-.2-.8-.2-.2-.4-.3-.8-.3-.3 0-.6.1-.8.3-.2.2-.3.5-.3.8v.6h-2v-.3zm3.5 2.2c-.2.1-.3.1-.5.2-.4.1-.8.3-1 .5-.2.2-.3.5-.3.9 0 .3.1.6.2.8.1.2.3.4.6.4.1 0 .3 0 .5-.1.2 0 .3-.1.4-.2.1-.1.2-.2.3-.4.1-.2.1-.4.1-.6v-1.7c.1 0-.1.1-.3.2zm10.6-4.6l-2.2 8.6h-2.6l-2.2-8.6h2.3l1.2 6.2 1.2
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