Personal Loans

Personal Loans

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Say Hello to happy little loans.

Apply for a Personal Loan

Signature Loan

Smile! A Signature Loan from Hello can be used for anything you can imagine. With a fixed term and a low-rate line of credit, it's perfect if you need time to pay off larger purchases.

  • No collateral required
  • Easy online application 
  • Competitive rates
  • Borrow up to $15,000

We understand that your financing needs don’t always fit into a clear category. If you are interested in financing tangible property that is clearly marked with a serial number, call us today to see if you qualify for a Small Equipment Loan.

Special Loan

Don't worry, be happy! We offer special small-dollar loans, up to $1,000, to help with unexpected expenses. Special Loans can be paid back in up to 12 months and are great alternatives to payday loans.

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Rates

Type
dividend Rate
Term
APY*
APR*
Min / Max balance
Notes
Signature / Personal Line of Credit
Term (Months)
Dividend Rate
N/A
APY*
APR*
Prime + a Margin of
12.49%
-
17.99%
Min/Max Balance
Notes

N/A

Special Loan**
Term (Months)
Dividend Rate
Up to 12
APY*
APR*
Prime + a Margin of
18.00%
-
Min/Max Balance
Notes

N/A

Standard Unsecured
Term (Months)
Dividend Rate
Up to 48
APY*
APR*
Prime + a Margin of
12.49%
-
17.99%
Min/Max Balance
Notes

N/A

IRA Certificate Rates

Account Type
Rate
APY*
Minimum balance
12-Month IRA Certificate
Dividend Rate
2.72%
APY*
-
2.75%
Min/Max Balance
$500.00
18-Month IRA Certificate
Dividend Rate
2.47%
APY*
-
2.50%
Min/Max Balance
$500.00
24-Month IRA Certificate
Dividend Rate
2.25%
APY*
-
2.27%
Min/Max Balance
$500.00
36-Month IRA Certificate
Dividend Rate
1.50%
APY*
-
1.51%
Min/Max Balance
$500.00
48-Month IRA Certificate
Dividend Rate
1.75%
APY*
-
1.76%
Min/Max Balance
$500.00
60-Month IRA Certificate
Dividend Rate
2.00%
APY*
-
2.02%
Min/Max Balance
$500.00

*APR = Annual Percentage Rate. Rates subject to change. Click to view complete listing of rates and effective date.

**Special Loan: This loan type requires direct deposit into your Hello CU account for at least 90 days.  If qualified, available loan amounts are $500 in year one, $750 in year two, and $1,000 in year three.  Members must maintain good standing with Hello CU in order to qualify for subsequent loan requests and the loan must be paid in full before subsequent requests can be processed.  A processing fee of $30 applies to loans for $500, $40 for loans of $750, and $50 for loans of $1,000.  The processing fee must be paid by the member and cannot come from loan proceeds.

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