Borrowing at First Watch is easy, practical, and economical! We offer both unsecured and secured loans. An unsecured loan requires only your signature as collateral. A secured loan requires tangible collateral, such as a car or boat as security.
The Credit Union Advantage
Loans are made in accordance with policies established by the member-elected board of directors and are approved based on credit history, collateral, and your ability to repay the loan.
For pre-approval, complete our online loan application.
First Watch offers unsecured personal loans using only your good name as collateral. Loan amounts range from $200 to $5,000+. Features include competitive variable rates, discount points, generous repayment terms, and no hidden costs.
Signature Loans may be used for a variety of purposes including:
- Debt Consolidation
- Auto Repair
- Medical and Dental Expenses
- Education Expenses
- Home Improvements
- Home Repairs
- Other Worthwhile Purposes
Share Secured Loans / Term Share Certificate (CD) Secured Loans
At First Watch you can use the balance, or a portion of the balance, of your share (savings) account or your term share certificate (CD) as collateral for a loan. These interest rates are among the lowest we offer! Secured loans are a great way to re-establish a credit history or for young borrowers to establish good credit.
Don’t put that summer vacation on your credit card, get a low-interest vacation loan with up to 12 months to pay it back.