Credit Card & Personal Loans
| Loan Type | Term | APR* |
|---|---|---|
| Platinum CARGO Rewards Visa (up to $30,000) | ||
| 12-Month Introductory Rate1 | N/A | 2.95% - 8.95% |
| Standard Rate | N/A | 11.45% - 17.95% |
| Platinum Visa Credit Card (up to $30,000) | ||
| 12-Month Introductory Rate1 | N/A | 2.95% - 8.95% |
| Standard Rate | N/A | 9.95% - 15.95% |
| Secured Credit Card | ||
| N/A | 10.95% | |
| Signature Loan | Term | As low as |
| Up to $25,000 | 0-12 Months | 6.49% |
| 13-24 Months | 7.49% | |
| 25-36 Months | 8.49% | |
| 37-48 Months | 8.99% | |
| 49-60 Months | 9.49% | |
| Line of Credit | Term | As low as |
| Up to $15,000 | Open | 9.74% |
| Certificate Secure Loans | ||
| Up to Certificate Amount | CD Mat. Date | CD rate + 3.00% |
| Share Secure Loans | ||
| Up to Regular Shares Amount | up to 6 Years | Share rate + 3.00% |
To apply for your loan - click here.
*APR= Annual Percentage Rate. Rates effective as of July 11, 2024. Your actual APR and term will be determined by your individual credit profile. All loans subject to approval. Rates subject to change without notice. Certain conditions and restrictions apply. Call for details and current rates.
1Low introductory rate as low as 2.95% APR for 12 months on purchases and balance transfers (with a standard variable rate of 11.45% to 17.95% APR after that for the Platinum CARGO Rewards Visa and 9.95% to 15.95% APR on the Platinum Visa). Your actual rate and credit line will be determined by your individual credit profile and ability to repay. Cash advance rates range from 13.45% APR - 17.95% APR for the Platinum CARGO Rewards Visa and 12.00% to 18.00% APR on the Platinum Visa. Balance transfers and purchases will accrue interest at your approved Intro rate for twelve billing cycles from the Visa® open date. Any existing balances on ILWU Credit Union loan and/or credit card accounts are not eligible for the Introductory APR for balance transfers. All loans subject to approval. Rates are subject to change. See Visa Application & Solicitation Disclosure for complete details.