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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

Prospectors FCU Gold Rush VISA is here for you! Whether you’re looking for a great rate, an opportunity to establish credit or you simply need a card to keep as your go-to card for travel. Let us help you obtain a low-rate credit card.

Our credit card rate does not start going up the minute interest rates go up! Your rate is yours to keep.  Don’t be fooled by variable low rates offered by others. Once you get our card you have locked in your rate!

  • Fixed rates as low as 8.99% apr
  • No Annual Fees
  • No Cash Advance Fees
  • $0 liability on unauthorized purchases
  • Personalized dispute assistance
  • Apple Pay and Samsung pay
  • Advanced Fraud Protection with e-mail and text alerts
  • EMV Chip for enhanced security

APR=Annual Percentage Rate. Subject to credit approval. Prospectors FCU’s credit card program features a range of fixed interest rates based on a variety of factors, including the applicant’s credit rating. Members who become delinquent will pay a default rate not to exceed 18%. Rates quoted are subject to change without notice. Read your credit card agreement for full details.

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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