Lifestyle/Personal Loans & Line of Credit

Debt Consolidation Loans

From now until March 31st members can consolidate existing debt from other lenders up to $20,000 at rates starting as low as 5.99 %APR.* You can have up to five years to repay and we make it easy for you by paying your lenders directly.

*APR = Annual Percentage Rate. Preferred rates for this promotion are 5.99% APR for up to 60 months. Not all members may qualify for the preferred rate; other rates and terms may apply. All loans subject to credit approval. Loan offer valid January 1, 2020 through March 31, 2020. Loan proceeds may not be used to refinance existing Edwards Federal Credit Union loans. For additional details about rates and terms contact the credit union at 661.952.5945. Certain other restrictions may apply.


Lifestyle/Personal Loans

Life happens and we offer an affordable way to help, without derailing your financial future. Turn to our Lifestyle/Personal Loans for any reason:

  • Adoption Services
  • Air Fare
  • Any Emergency
  • Auto Repairs
  • Band Instruments
  • Cosmetic Surgery
  • Debt Consolidation
  • Dentistry/Orthodontics
  • Education
  • Electrolysis
  • Fertility Treatments
  • Funerals
  • Golf Carts
  • Hair Restoration
  • Hearing Aids
  • Heating/AC
  • Help Out a Family Member
  • Holiday Expenses
  • Home Improvements
  • Honeymoon
  • Investments
  • Jewelry
  • Landscaping
  • Medical Costs
  • Moving Expenses
  • Newborn
  • Pools/Spas
  • Religious Retreats
  • Taxes
  • Tornado Shelters
  • Vacations
  • Veterinary Care
  • Vision Care (LASIK, etc.)
  • Weddings
  • Virtually Anything!

Borrow exactly what you need when it’s needed, with the terms that fit your budget and your time frame. The amount borrowed can be used for any reason.

Apply for a Loan

Personal Loans

Personal loans are closed-end loans offered by Edwards FCU in order to make borrowing simple and flexible.

The benefits of a Personal Loan from Edwards FCU:

  • No annual fee.
  • Enjoy a fixed rate.
  • No pre-payment penalty.
  • Edwards FCU makes it easy to repay your loan with automatic payments and payroll deduction.
  • Easy access to your funds through ATMs, Online Banking, and by phone.
  • Generous credit up to $25,000.
  • Flexible terms up to 60 months.
  • Low monthly payments with fixed payment plans available.
Apply for a Loan

Personal Line of Credit (Unsecured)

The Edwards FCU Line of Credit gives you the freedom to borrow from an ongoing credit line. As you pay your credit line funds are replenished so they can be used again.

The benefits of a Personal Line of Credit from Edwards FCU:

  • No annual fee.
  • Enjoy a fixed rate.
  • No pre-payment penalty.
  • Edwards FCU makes it easy to repay your loan with automatic payments and payroll deduction.
  • Access your funds around the clock at ATMs, through Online Banking and by phone.
  • Generous credit limits up to $25,000.
  • May be set up as overdraft protection for your Edwards FCU checking account.
  • Payments as low as 3% of your line of credit balance.
Apply for a Loan


All loan rates and terms are subject to credit worthiness and approval. Rates and Terms may change at any time. Edwards Federal Credit Union is an Equal Opportunity Lender.

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