A personal loan from 1st Ed Credit Union gives you flexible funding for almost any need. Whether you are consolidating debt, covering medical bills, planning home improvements, or handling an unexpected expense, one simple loan can help.
As a member-owned credit union serving Pennsylvania, we offer competitive personal loan rates, fixed monthly payments, and local, personal service.
Our personal loans come with fixed interest rates and predictable monthly payments, so you always know exactly what you owe and when you will be paid off.
Rates and terms are based on your credit history and the loan amount, and all loans are subject to approval.
Because there is no prepayment penalty, you can pay off your loan early and save on interest whenever your budget allows.
| Info and/or Terms | APR |
|---|---|
| Up to 60 months (as low as) | 11.15%* |
*APR = Annual Percentage Rate. APR and loan approval based on creditworthiness. Rates subject to change at any time without prior notice.
Members use personal loans for a wide range of goals:
Because our personal loans are unsecured, you do not need to put up collateral such as your home or car. You simply provide your signature as a promise to repay. The loan provides a lump sum to use for any need. You’ll lock into a fixed rate and make equal monthly payments over a set period. One fixed monthly payment can make it easier to budget than juggling multiple bills or credit cards.
Have loan security with 1st Ed Credit Union’s Protection Plus
Click below 24 hours a day to start your application. You can also call 717-264-6506 (option 6) for a representative to take your application by phone.
Apply NowYour credit history helps determine the rate and amount you qualify for, but you do not need perfect credit to apply.
If you are working to rebuild your credit, our lending team can talk you through your options. For members focused on establishing a track record, a share-secured loan can be a smart way to build credit while you borrow, using your own savings as security.
1st Ed Credit Union serves members through branches in Chambersburg, Greencastle, and Hanover, and welcomes members from nearby communities such as Shippensburg.
Our field of membership spans Adams, Cumberland, Franklin, Fulton, and York Counties. If you live, work, worship, or attend school in the area, you may be eligible to join and apply online for a personal loan.
Because loan decisions are made locally, our team can often move faster than a national bank, which matters when you need funds for an emergency or a time-sensitive expense.
You do not need perfect credit to apply. Your credit history helps determine your rate and loan amount, but our lending team reviews each application individually and can discuss options if you are rebuilding your credit. A share-secured loan may also be a good fit while you strengthen your score.
Almost anything. Members use personal loans to consolidate higher-interest debt, cover medical or dental bills, fund home improvements or repairs, pay for a wedding or vacation, or handle unexpected expenses. Because the loan is unsecured, you do not need to pledge collateral.
No. Our personal loans are unsecured, which means you simply provide your signature as a promise to repay — no home or vehicle needed as security. You receive a lump sum, lock in a fixed rate, and make equal monthly payments over a set term.
A credit-builder loan is a type of loan designed to help you establish or rebuild credit. At 1st Ed, our share-secured loan works this way: the amount you borrow is held in your savings account while you repay it, and your on-time payments help strengthen your credit history over time. Ask our team whether a share-secured loan is right for you.
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