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Loan Application

Pick the loan you're applying for and we'll take it from there. Most applications take about ten minutes.

Not yet a member

You can apply and join in the same sitting — no need to open an account first

Non-Member Loan Application

Apply and join at the same time. You'll open a $5 savings account as part of the process.

Personal borrowing

For current members. All four are decided in Salem.

Personal Loan

No collateral, fixed payments, and no penalty for paying it off early.

Share Secured Loan

Borrow against your own savings at a lower rate — a straightforward way to build credit history.

Credit Card

One rate, no annual fee. Apply once and use it as your everyday card.

Share Secured Credit Card

A card backed by your savings, for members building or repairing credit.

Vehicles

Get approved before you start negotiating.

Auto

New or used, dealer or private sale, with same-day decisions in most cases.

Motorcycle

On-road bikes, financed over terms that keep the payment sensible.

Boat

Powerboats, sailboats and trailers, with longer terms for larger amounts.

RV

Motorhomes and travel trailers, up to the longest terms we offer.

Property

Both of these come with a loan officer you can meet in person.

Mortgage

Purchase or refinance, handled start to finish from Salem.

Home Equity Line of Credit

Draw on your home's value as you need it, and only pay interest on what you use.