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Personal Loans & Lines of Credit

Great rates are available for whatever life throws your way!

Imagine Loan

• Our Imagine Loan is a great choice for the cash you need with the low, fixed payments you want from your local credit union in Manitowoc and Sheboygan.
   

• With an Imagine Loan, you can:

  • Roll multiple high interest balances into one lower rate payment

  • Cut down on what you pay in interest over time

  • Free up cash for everyday needs or future plans

  • Use funds for medical bills, weddings, vacations, and more!

Kwik Cash Line of Credit

• This revolving line of credit can be used for almost any purchase – the refrigerator goes on the blink, you need a weekend getaway, or you simply need a backup plan in case you overdraw your checking account.

IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses)
Effective Date: Saturday, February 7th, 2026
Term	Monthly Payment per $1,000	APR* As Low As
Up to 24 months	$49.12	9.990%
Up to 48 Months	$28.77	10.490%
Up to 72 Months	$23.29	12.490%
*APR = Annual Percentage Rates. Rates are determined by your personal credit history, loan term, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $1,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Additional rates and terms available, please contact loans@UnitedOne.org for details. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required.

Kwik Cash Line of Credit (Overdraft protection, credit card payoffs, miscellaneous expenses)
Effective Date: Saturday, February 7th, 2026
Payment Terms	APR* As Low As
The greater of $16.00 or 4.000% of the balance at the time of the last advance	10.500%
*APR = Annual Percentage Rates. Rates are determined by your personal credit history. Please contact loans@UnitedOne.org for additional rates. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required.

Loan & Line of Credit questions? We're happy to help!

Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.

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