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Personal Loans

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Signature Loans

Signature Loans are great for that emergency need for cash or other one-time purchases, such as vacation expenses, a new set of tires for your car or that special gift. Get started, apply today.

Share Secured Loans

A Share Secured Loan is secured by funds on deposit in your Share Savings Account and/or Share Certificate of Deposit. Perfect for those who may not have credit or are trying to improve their credit. 

JumpStart10 Loan

Our JumpStart10 Loan is a great way to establish credit AND save at the same time! Here's how it works: Borrow $2,000 at 10.00% APR* for 24 months, $1,000 goes to you and $1,000 is deposited and held in savings. It's that easy!

The top reasons to apply for the JumpStart10 Loan:

  • Just started adulting and you don't have any credit
  • You want to get in the routine of saving but don't have the cash to get started
  • Looking for a convenient way to save and establish credit with a low monthly payment and low rate

*APR = Annual Percentage Rate. Term is 24 months. Funds held in Savings will become available after 24 months. Restrictions apply.


I.C.E. Line of Credit (In Case of Emergency)

Be prepared for all of life’s unexpected emergencies with our I.C.E. Line of Credit. Allows you to move the money from the loan to your savings or checking account wherever and whenever you need it. 

*A one time application fee of $25.00 is charged after approval of application. There is no annual fee. The Annual Percentage Rate (APR) is subject to change annually. Maximum APR is 25.00%.


Plan B Loan

Need a little extra cash but you don’t have great credit? This short-term loan is just right for you*. No credit checks required. Borrow up to $500 with repayment over 3 months. It’s that easy! Call our Loan Department at (757) 838-0707 Ext. 1121 or stop in the branch to apply for a Plan B Loan. 

*Some restrictions apply.


Student Loans

Wherever you are in your higher education, get the money you need for school. Student loans from HRECU in partnership with Sallie Mae(R) could help! Whether you're an undergraduate, graduate student, or parent, Sallie Mae(R) higher education loans are designed to meet your needs.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty(1)

Find the right loan for you. For details or to apply, visit

Debt Protection for Loan Products

We offer a debt protection plan that protects your loan payments against death, disability, or involuntary unemployment. This protection could cancel your loan balance or payments up to the contract maximums. Protect yourself today so you can worry a little less about tomorrow. Contact our loan department for eligibility, conditions or exclusions.