Whether you're looking to make a special purchase, take a vacation, consolidate debt or address unexpected expenses, turn to Suffolk Credit Union for borrowing options. We'll help you find the right solution for what you want to accomplish.
Personal Loans
The right financing can help you accomplish big things.

Get funds for almost anything.
Choose a fixed-rate loan or revolving line of credit
Finance your special plans
Besides borrowing directly from us, you also can borrow from the value of your Share Savings account.
These three accounts give you options for getting the money you need for your plans. Whether you need a lump sum of money at a fixed rate or a revolving line of credit at a variable rate, we'll assist with a simple application process and quick approval.
Personal Loans
If you know how much money you need, a loan can be the answer.
- APR as low as 9.84%*
- Borrow between $500 and $20,000
- Choose terms up 60 months
- Receive your funds all at once
- Make a $25 minimum payment each month
- No pre-payment penalty and funds can be deposited right into your SCU account
- Set up automatic payments through your Suffolk Credit Union checking account
Personal Line of Credit
If you need more financial flexibility, opt for the credit line.
- Secure a line of credit ranging from $100 to $20,000
- Make minimum payments of just 2% of the balance**
- Set up automatic payments through your Suffolk Credit Union checking account
Share Secured Loan
Use your own savings as collateral for a loan. Your account continues to earn interest.
- Borrow up to 100% of your Share Savings account balance**
- Build your credit

Advice for your ahead.

* APR = Annual Percentage Rate. Rates shown above available with Automatic Payment. The above loan requests are subject to credit approval. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Conditions of loans may vary. Rates and conditions are subject to change without notice.
** For all variable-rate loans, the APR may change after consummation. The Share Secured loan rate is calculated as the dividend rate plus 3.00%. The minimum payment for the variable line of credit will be 2.00% of the outstanding balance rounded up to the nearest dollar, or $10.00, whichever is greater. For Share Secured loans, the minimum payment will be $25.00. There are no fees associated with the Share Secured loan. Please see a Suffolk Federal representative for additional information, applicable fees and terms.