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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. 

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. 111 or stop in the branch to apply for a Plan B Loan. 

*Some restrictions apply.

Student Loans

Take Control of Your College Financing with a Smart Option Student Loan through SallieMae. For details or to apply, visit salliemae.com/smartoption/hrecu.

(in partnership with SallieMae)

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.