What’s your big dream, goal, or plan? Whatever it is, we can help you afford it.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions

Secured Personal Loan

  • Finance almost any dream, goal, or plan affordably
  • Funds secured with your savings or share certificates
  • Competitive rates for a wide variety of personal needs1

Use your savings or share certificates as collateral to get affordable financing for just about anything. Borrow from $500 to $3,000, with terms of up to 48 months. Plus, you'll enjoy fast and easy in-house processing — all done here in the East Bay. 

Unsecured Personal Loan

  • Amounts up to $25,0002
  • Terms from 12 to 60 months3
  • No collateral required — your signature is all we need

Enjoy affordable financing for a wide variety of personal needs: personal projects, vehicle repairs, vacations, and so much more. You'll get attentive, friendly service from start to finish.

  • Finance all kinds of needs at a competitive rate
  • More affordable than regular payday loans
  • Easy application process with lenders who care

Stay away from payday loans that can be more trouble than they’re worth. If you’re in a pinch, we’d love to have the chance to help you out.

How ECIL Works

More about the Cooperative Center Emergency Cash Infusion Loan:

  • No minimum FICO score is required
  • Must be a credit union member in good standing for at least three months
  • Must be employed for a minimum of three months or have a regular source of verifiable income for that same period
  • Direct deposit must be equal or greater than amount requested4
  • Terms are one (1) to five (5) months, dependent upon loan amount. No prepayment penalty
  • One (1) Emergency Cash Infusion Loan at any time; no rollovers and no time extensions
  • A limit of three (3) Emergency Cash Infusion Loans in a six-month rolling period
  • Loan Amounts: Minimum $100 Maximum $1,000
  • Application Fee: $20: Due upon submitting application5


Learn about building emergency savings in this short online course. You can also watch this short video on how payday loans work.

Applying for a line of credit is another option. It includes a limit of up to $600 and 12 months to repay. Interest rate is 9.77%.

1Note: The interest charged on the loan is practically offset by dividends on earned shares, so vary with interest charged for this loan.

2Maximum aggregate unsecured loans to any one member is $35,000.

3Terms are based on amount borrowed.

4Maximum loan amount without direct deposit is $400.

5Application fee charged only once in a rolling six (6) months.