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Signature Loans

Looking to fund a dream vacation, consolidate debt, or pay for a wedding? Our Open-End and Closed-End Signature Loans can provide the financing you need to help meet your goals.

Secure the money you need

A signature loan from SECU can be a great way to quickly access funds to reach financial goals like debt consolidation. You may be eligible for a signature loan if you’re a member, 18 years of age or older, and live in North Carolina, South Carolina, Georgia, Tennessee, or Virginia.

Closed-End Signature Loan

Looking for a personal loan with a predictable payment plan? Our Closed-End Signature Loan gives you access to your total borrowing amount upfront and offers a fixed rate for the life of the loan. These loans typically offer lower interest rates than credit cards and other revolving credit options.1

Features of Closed-End Signature Loans:
  • Payments that work with your budget

  • Great for one-time borrowing needs

  • Terms up to 72 months with no collateral required

  • Additional 0.50% interest rate discount to certain qualifying2 North Carolina state employees and state retirees

Open-End Signature Loan

Need additional purchasing power or cushion for unplanned expenses? Our Open-End Signature Loan is one of our most flexible financing options. This variable-rate1,3 loan allows you to borrow from your credit line at any time4 through a Real-Time Loan Advance.5 With an Open-End Signature Loan, interest is charged based on the amount you owe.

Features of Open-End Signature Loans:
  • Minimum payment based on the outstanding principal balance

  • Can serve as a protecting account when you enroll your SECU Checking Account in our optional Overdraft Transfer Service6

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Credit line increases

Already have an Open-End Signature Loan but need an extra boost of borrowing power? Request an increase to your credit line through a simple application process. Once approved, you’ll have access to additional funding at the same competitive rate.