Life in Wilsonville is full of opportunities, but sometimes your budget needs a little extra room to help you say yes to them. Whether you are planning a home renovation, consolidating high-interest debt, or handling an unexpected medical bill, you need a financial partner who understands your local needs.

At Maps Credit Union, we offer personalized lending solutions designed to fit your unique financial situation. Unlike big national banks, we look at the whole picture to help you find a loan that works for your budget. From revolving lines of credit to lump-sum personal loans, we make
borrowing simple, transparent, and easy to understand.

Goldline Personal Line of Credit

If you need flexibility, the Goldline Personal Line of Credit is an excellent choice. Think of this as a safety net for your finances. A line of credit is revolving, meaning you can borrow what you need, pay it back, and borrow again without having to reapply each time.

This option is particularly popular for members who want peace of mind regarding their checking account. The Goldline offers convenient overdraft protection, ensuring that your transactions go through smoothly even if your balance runs low.

Key Features of the Goldline:

• Flexibility: Enjoy check-writing capabilities for easy access to your funds.
• Overdraft Protection: Automatically covers checking account shortages to save you from declined transactions.
• Affordable Terms: This account features a variable rate and costs only a $25 annual fee.

Standard Personal Loans

Sometimes, you know exactly how much money you need for a specific project or purchase. In these cases, a Standard Personal Loan is often the best solution. This is an installment loan, meaning you receive a lump sum of cash upfront and pay it back over a set period.

You can use a personal loan for whatever you need. Whether you are funding a wedding, repairing a vehicle, or taking a dream vacation, this loan gives you the power to make it happen. To ensure the loan fits your financial style, Maps offers both fixed and variable rate options.

• Fixed Rates: Ideal if you want a predictable monthly payment that never changes.
• Variable Rates: A great option if you are looking for potential flexibility in market rates.

Secured Loans: Borrow Against Your Savings

If you are looking to build credit or secure a lower interest rate, a Secured Loan might be the right path for you. These loans allow you to borrow money using your own savings at Maps Credit Union as collateral. Because the loan is “secured” by your funds, we can typically offer lower rates than you would find with an unsecured loan.

Share Secured Loan

This option allows you to borrow against the funds in your Maps Share (Savings) Account. The best part is that you do not have to drain your savings to make a purchase. Your money stays in your account, earning dividends while you get the cash you need at a lower borrowing rate.

Certificate Secured Loan

Do you have money tied up in a Certificate (CD) that you do not want to withdraw early? A Certificate Secured Loan allows you to borrow against those funds. This is a smart way to access liquidity without breaking the terms of your certificate or losing your maturity date.

Why Choose Maps Credit Union in Wilsonville?

When you choose Maps, you are choosing a not-for-profit financial cooperative that puts members first. We are deeply invested in the Wilsonville community and pride ourselves on offering competitive rates, fewer fees, and friendly service.

We are here to help you navigate your financial journey with products that are easy to understand and easy to use. Stop by a local branch or contact us today to see how we can help you reach your goals.

Frequently Asked Questions

What can I use a Personal Loan for?

Personal loans are incredibly versatile. You can use the funds for almost any purpose, including debt consolidation, home improvements, medical expenses, moving costs, or major purchases.

What is the difference between a Personal Loan and a Goldline Line
of Credit?

A Personal Loan provides a one-time lump sum of cash that you repay over a fixed term. A Goldline Personal Line of Credit is a revolving line of credit, similar to a credit card: you have a credit limit you can draw on, repay, and use again as needed.

Do I need to be a member to apply?

Yes, to take advantage of our low rates and products, you must be a member of Maps Credit Union. Membership is open to those living or working in our eligible counties. Joining is simple and can be done during the application process.