GOLD Personal Loan

A GOLD Personal Loan1 makes it easy to afford the projects you have on the horizon. They're ideal for financing a single project, large or small. For instance, many of our Members have used their loans to consolidate debt, pay off medical bills, or cover a hefty, unexpected auto repair. You'll receive one lump sum upon signing your loan and pay it back in fixed monthly payments.


  • Competitive interest rates
  • Flexible terms
  • No collateral2
  • No prepayment penalties or fees
  • An easy online application process that's carefully reviewed and answered by real people!

Rates Effective 03/18/2020

GOLD Personal Loan
Terms APR1 as low as
Up to 12 Months Rate Special 3.50%
13-24 Months 5.45% Rate Special 4.50%
25-36 Months 6.70%
37-48 Months 7.15%
49-60 Months 8.15%
61-72 Months 9.45%
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Holiday Hangover Personal Loan Special

12-Month: 3.50% APR | 24-Month: 4.50% APR

Did you end 2019 on top of your finances, or were your finances bearing down on you instead?

New year, new you. Let us help you get on track in 2020 by paying off debt with a GOLD Personal Loan1 at limited-time special rates on 12 and 24-month terms. 

What will you do with GOLD's Personal Loan Special?

  • Pay off high-interest credit cards.
  • Clear a stack of overwhelming bills.
  • Deal with a tax return surprise.
  • Take a break from winter by jetting someplace warm.

Have an existing GOLD loan you'd like to refinance at these great rates? We can do that! To be eligible for the special rates, the existing GOLD loan can be no more than half of the new loan's principal. For example, if you have an existing GOLD loan with a balance of $2,000 that you'd like to refinance, your new loan must be at least $4,000 in order to take advantage of the rate special.

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Do things differently this year.

Paying off debt is step one to turning around your finances. Step two is changing your spending habits. Where do you need to make a change in 2020?

  • Did your holiday spending go overboard? Start saving for the next holiday season now with a GOLD Holiday Club Account.3
  • Too many bills and not enough money? Resolve to make and stick to a budget this year.
  • Surprised by a big expense? Set up an emergency fund with a GOLD Custom Club Account3 and don't get caught unprepared again.

Questions? We're standing by to listen and advise. Give our team a call at 484-223-4200 or fill out the contact form and we'll get in touch with you.

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GOLD Personal Line of Credit (PLOC)

A GOLD Personal Line of Credit (PLOC)1 is a flexible credit option that gives you quick access to funds 24 hours a day, 7 days a week. This revolving line of credit will help you keep cash on hand for varying or unexpected expenses. Our Members, for example, have used their PLOCs to finance home renovations and other ongoing projects.

Apply once and keep your line open for continued use up to your approved limit.


  • Competitive interest rates
  • No application or annual fee
  • No collateral required2
  • An easy online application process that's carefully reviewed and answered by real people!

You can also tie it to your GOLD Checking Account to serve as overdraft protection. Not only can this help prevent the rare embarrassment of returned checks and overdraft fees, but it also gives you more control over your funds — whether bridging a gap to payday, lending to yourself for an important purchase, or repaying debts on your schedule and knowing you've got a cushion ready for you whenever you need it next.

Not only is our PLOC all about convenience and flexibility, on top of all that it's also got a very competitive interest rate. Unlike you've likely seen at some banks, there's no additional fee each time you use your loan!

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A lady smiling

Are you safeguarding yourself?

Protecting our Members' assets is a priority for all of us here at GOLD Credit Union. As such, we offer a variety of insurance services to help our Members safeguard their loved ones, assets, and credit rating should the unexpected happen. Learn more about our Credit Life and Disability Insurance.

GOLD Savings Secured Loans

Our GOLD Savings Secured Loans give you an extra-low rate — and guaranteed approval because you're borrowing against a balance in your GOLD Share Savings.

It's easy, convenient, and secure. Better yet? You continue to earn dividends on the full balance in your account! Plus, each payment you make frees up that same amount held in your GOLD Share Savings Account.

This loan is ideal for borrowers with damaged or no credit or Members who don't feel comfortable depleting cash in an account right now.


  • Low, fixed rate4
  • Same-day access to your money
  • No credit report or income verification required
  • Convenient repayment options with flexible terms
  • Continue to earn dividends on the amount held in GOLD Share Savings
A young girl hugging a smiling woman

Ready to apply? GOLD Credit Union makes it easy to borrow at low rates with convenient repayment options.

Not yet a GOLD Member? Join us today, and you'll be eligible to apply for your loan immediately.

Already a Member but haven't signed up for Online Banking? Create your account.

1 Rate, term, and loan or line of credit amount vary based on credit review. Line of credit rate is variable, rate is equal to Prime Rate plus a margin, and subject to change without notice. Not all applicants will qualify for approval. Other fees, terms, and conditions may apply. Refinance of current GOLD Personal Loans: current loan balance needs to be equal to 50% or less of the new loan balance. 2 GOLD Credit Union has the discretion to require collateral as a condition for approval. ​3 Credit union eligibility and Membership are required prior to opening an account or loan. Verification or affirmation of Membership eligibility may be required. Other terms and conditions may apply. See credit union for details. ​4 Contact credit union for rate information.

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