Whether you are planning to upgrade your home, pay for college education or take that much needed vacation, one of our personal loans could be your answer. CSE offers a range of personal loans to meet your financial needs.

Personal Loan

This flexible loan allows you to choose the reason for your loan. Use it to consolidate debt, cover unexpected expenses, finance large purchases or pay for whatever is on your plate. The features of this plan include:

  • Low fixed rate of 12.90% APR*
  • Flexibility to borrow up to $15,000
  • Terms available up to 60 months
  • No collateral required

Vacation Loan

Similar to our Personal Loan, you can use this loan for almost any purpose. It’s great to use if you need a little extra cash to make this year’s vacation the best ever, but you can also use it for your other borrowing needs. Our Vacation Loan rate is lower than most credit card rates.  It gives you:

  • Low fixed rate of 7.9% APR
  • Flexibility to borrow up to $15,000
  • A repayment schedule stretched over a 1-year term

Share Secured Loan

This loan option gives you the ability to borrow against your CSE savings at a low, fixed rate, while still earning dividends on your account.

  • Loan secured by your funds in your share account
  • Rate is 2.0% above the last declared share dividend
  • May borrow up to the full savings balance
  • Renewable

Share Certificate Loan

Similar to the Share Secured Loan, this loan also allows you to use your share certificate funds as collateral for a low-rate loan, while still earning dividends on your account.

  • Loan secured by your funds in your share certificate
  • Rate is 2.0% above the last declared dividend
  • May borrow up to 70% of the face value of the certificate
  • Must be paid off at time of maturity

Student Loan

Let us help you bridge the gap between government loans and aid programs. The benefits of our Student Loan include:

  • A low, fixed rate of 6.9% APR
  • Flexibility to borrow up to $10,000
  • Terms available up to 60 months
  • Payment made directly to college or university

Use our Loan Calculator to see your estimated monthly payment on any of our loans.

Automatic Payment

State employees can sign up for direct payment for worry-free bi-weekly payments on any of our loans. Non-state employees can also sign up for automatic payment from their CSE account.

To apply for a loan, print a loan application and mail or deliver it to any branch location. Please include your mortgage/rent payment on the application and submit it with a copy of your most recent paystub. The latest version of Adobe is needed to print your application.

Loan Application

*Annual Percentage Rate. Certain restrictions apply. All rates are subject to change without notice.