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Personal Loans & VISA Credit Cards

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Easy Rates & Terms designed to fit nearly all your financial needs –

VISA Credit Cards

Give yourself a little extra credit with our 5* STAR rated credit card. It has no Annual Fee or Cash Advance Fee and one rate… This can also be a great source of emergency cash if you are traveling.

  • A variable rate of 12.90% APR on purchases & Cash Advances.
  • No Cash Advance Fees – Available withdrawals at all ATMs where the VISA logo is displayed using your FREE PIN
  • No annual fee.
  • No balance transfer fee.
  • No penalty APR.
  • $0 liability on unauthorized purchases.
  • Personalized dispute assistance.
  • Apple Pay™. & Samsung Pay
  • Advanced Fraud Protection with e-mail & test alerts
  • EMV chip for enhanced security.
  • A 25-day grace period on purchases: pay no interest if your balance is paid in full within 25 days of the statement date.

Share Secured VISA Credit Card

Same great security and features as or Platinum VISA, this is the perfect product for members to establish or rebuild credit. Secure your card with a deposit of $200 above your credit line, then use it as you would any other credit card. Make complete on time monthly payments and within six months your credit history will begin to reflect your good behavior. Prospectors has helped many of its Members establish or reestablish their credit worthiness with this product. It’s safe, convenient and hassle free.

Signature Loans

Sometimes a little extra cash can solve a lot of extra problems. Prospectors has always been known for its competitive Signature and Debt Consolidation Loans. We have terms from one to five years at the lowest rates around.

Readi-Ca$h Line of Credit

In a hurry… need Cash to take advantage of an unanticipated sale or to solve an emergency?  Take advantage of the all new Prospectors Readi-Ca$h line of credit.  Once approved this credit line is available to you 24/7 in your account on Home and Mobile Banking.  It can also be used as overdraft protection to avoid costly return fees.  It doesn’t get any easier than this.

Applying is easy.  Simply click on the Loan tab at the top of your Home Banking page. Then follow the application process.  Our loan department will contact you by the next business day.

If you have any questions regarding our new Readi-Ca$h product or would like help with what to do next, please call one of our Member Service Specialists at (909) 396-9688, option 2.  We look forward to helping you.

OverDraft Protection Loans

Attached to your checking as overdraft protection up to $500.  You can’t advance on this option it is only to protect members from overdrafting on purchases, and payments.

Let us help you get started today.

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