Signature Loans - Century Federal Credit Union
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Signature Loans

At Century Federal, we offer personal loans and lines of credit at competitive rates. Personal loans can be used to consolidate debt, fund back-to-school expenses, take a vacation, repair your car, cover unexpected expenses and more.

Signature Loan

A signature loan is an unsecured personal loan that doesn't require you to put down any property or assets as collateral. It's called a signature loan because you can get approved with your signature and your credit history without needing to provide any other form of security. This makes it a popular choice for those who may not have any assets to offer as collateral or are uncomfortable putting them at risk.


Typical uses for a signature loan

Personal Line of Credit / Overdraft Protection

A Century Federal Personal Line of Credit can provide the financial support you need precisely when needed. Our Personal Line of Credit is a revolving credit line that operates much like a credit card, allowing you to instantly access extra cash up to $35,000. You can also use the funds available on the line of credit to protect against checking account overdrafts, giving you extra peace of mind.

 How Does it Work?
  • In the event of an overdraft on your Share-Draft Checking Account, the Personal Line of Credit will automatically advance to cover the overdraft item
  • Advance on your line of credit through Online/Mobile Banking or any of our branch locations
  • Make your loan payments through Online/Mobile Banking or any of our branch locations
  • Flexible Payment Options
  • If you never advance on the Personal Line of Credit, there is no finance charge
 To speak with a member of our team: And Don't Forget - You can add money to your monthly budget by skipping one qualifying loan payment each year for a small fee. Learn more about Century Federal's Skip-A-Pay Program.