Lightning Loan

The unexpected never, ever happens at a convenient time. Whether you’re facing an accident, injury, unexpected repair, or you just need a little extra cash to make it to payday, Lightning Loan is a small dollar loan for established members who need cash quick. Our fast and easy application process is available online 24/7 and takes less than 5 minutes to complete! Funds are deposited into your account within 60 seconds.

To be eligible for a Lightning Loan, you must be at least 18 years of age, have direct deposit, and have been a member in good standing with the credit union for at least 180 days. Please note: there is a $20 Loan Application fee required to apply and members may only have one Lightning Loan at a time. If you don't qualify for a Lightning Loan, please stop by one of our branches to speak with a loan officer about other loan options! 

Features and Benefits:

  • Borrow $200-$1,500

  • No credit report required 

  • Easy online application available 24/7

  • Funds received within 60 seconds

  • 100% contactless  

  • Option to set up automatic payment for the loan

  • Term varies based on loan amount

To apply

  • Log in to digital banking (online or mobile)

  • Tap "Apply for a Lightning Loan" 

















Lightning Loan: All loan applications are subject to review of eligibility and approval. The APR for the Lightning Loan is a fixed rate for the duration of the loan. The APR will be 27.99% APR. For example, a, Lightning Loan for $500 with a 6-month term at 27.99% APR will have a monthly payment of $90.26. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $1,500. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 90 days and are considered a member in good standing. Lightning Loan is not available in the branch; it is only available through online or mobile banking. No minimum credit score required. Loan Application Fee is $20.00 and must be in the member account for the loan application to be processed.