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Personal Loans

Borrowing at First Watch is easy, practical, and economical! We offer both unsecured and secured loans. An unsecured loan requires only your signature as collateral. A secured loan requires tangible collateral, such as a car or boat as security.

The Credit Union Advantage

Loans are made in accordance with policies established by the member-elected board of directors and are approved based on credit history, collateral, and your ability to repay the loan.

For pre-approval, complete our online loan application.

Signature Loans

First Watch offers unsecured personal loans using only your good name as collateral. Loan amounts range from $200 to $5,000+. Features include competitive variable rates, discount points, generous repayment terms, and no hidden costs.

Signature Loans may be used for a variety of purposes including:

Vacations
Christmas
Debt Consolidation
Auto Repair
Medical and Dental Expenses
Education Expenses
Home Improvements
Home Repairs
Furniture
Appliances
Clothing
Other Worthwhile Purposes

Share Secured Loans / Term Share Certificate (CD) Secured Loans

At First Watch you can use the balance, or a portion of the balance, of your share (savings) account or your term share certificate (CD) as collateral for a loan. These interest rates are among the lowest we offer! Secured loans are a great way to re-establish a credit history or for young borrowers to establish good credit.