Personal Loans

Call 504.885.6871 or visit our main branch if you would like to learn more about our personal loans.


Personal/Signature Loans

Take out a loan based on your credit score alone, no collateral needed.

  • Rates as low as 4.5%*
  • Terms vary
  • Funds from this loan can be used at your discretion


Share Secured Loans

A Share Secured Loan offers lower interest rates because you are using the funds in your POECU Savings Account or CD as collateral.

  • Competitive rates
  • An excellent way to build your credit score
  • You will still earn dividends on the savings that you have pledged
  • Flexible terms
  • The money can be used for virtually anything


Collateral Loans

Our collateral loans allow you to borrow money by placing down an asset as collateral against the loan.

  • Rates as low as 4.5%*
  • Flexible terms
  • Assets can include things such as: real estate, automobiles, etc.

*Credit permitting



Personal Line of Credit

Once you are approved for a personal line of credit, you can take out a portion of the credit line at any time during the specified term; and you don’t have to take it all in a lump sum. When finances get uncertain, a personal line of credit is much more financially sound than a payday or fast cash loan.

  • Rates as low as 11%*
  • Flexible terms
  • Only pay on the amount that you take out of the credit line

*Credit permitting