Sidney Federal Credit Union

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Other Loan Types

Other Loan Types

Unsecured/Signature "Lifestyle" Loans are approved without collateral – your promise to pay is only guaranteed by your signature. Such loans are often referred to as personal or signature loans, because you simply sign an agreement to pay.

Overdraft Protection. For our members that take advantage of our share draft service, we offer an overdraft line of credit up to $3000 to protect against possible share draft errors or as a line of credit to meet a short term need.

Share Secured Loans Share Secured, Money Management, and Certificate Secured loans are available to our members who would like to borrow against their own savings. The APR on this type of loan is generally lower than our unsecured and secured loans. This loan is also a great way to establish credit, or help rebuild your credit, without the need for a guarantor.

Credit life and credit disability payment protection is available on many of our loans. The premium is simply included in your monthly payment.