Personal Loans & Comaker Secured Loans

FME offers Fixed Rate Personal Loans and Revolving Line-of-Credit Personal Loans.  Fixed Rate Loans have a set terms with a disclosed maturity date and are one-time advances.  Revolving Line-of-Credit Loans, or Insta-Loan Credit Lines are more flexible, giving qualified members the option to make future advances.

Loan proceeds can be conveniently deposited to your FME savings account for you to access cash with your ATM or deposited to your checking account for Debit Card purchases.  

Comaker Secured Loans are also available for those just starting out or perhaps need support with obtaining a loan.  This is a Fixed Rate Loan with a set rate and term, no advances are available.  A complete loan application is required from both the member and the comaker.

Click here to apply for a Personal Loan or Comaker Secured Loan


Insta-Loan Credit Line
Effective Date: Thursday, July 18th, 2019
Credit Limits from $500 to $15,000
Standard APR*Direct Deposit or Membership Reward APR*
13.90% 9.90%

Unsecured Signature Loan
Effective Date: Thursday, July 18th, 2019
Loan Amounts from $500 to $15,000
12 months 11.00% APR
24 months 12.00% APR
36- 48 months 15.00% APR

Comaker Secured Signature Loan
Effective Date: Thursday, July 18th, 2019
Loan Amounts from $500 to $15,000
48 months 18.00%

Rates subject to change. *Annual Percentage Rate

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If you are logging in to Online Banking for the first time, please be aware that your FME Account Number should be entered as 7-digits long, without dashes, and with the last digit being a 0. This is the same Account Number that appears on your periodic statement. The initial User Password is the last 4 digits of the primary accountholder's Social Security Number.

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