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Home > Loans & Credit Cards > Personal Loans

Personal Loans

Whether you're looking to consolidate debt, finance a home improvement project, cover unexpected expenses or treat yourself to a vacation, we have solutions to help. Check out our rates.

Prestige Line of Credit

A Line of Credit linked directly to your checking account. Prestige Line provides ready access to cash, carries low introductory and fixed rates and has monthly payments at only 3% of balance ($20 minimum payment). There are no transaction, activity, membership or participation fees. It is also overdraft protection for your checking account! Visit us in Bay City, Midland or Saginaw, MI!

Prestige Line offers:

*No fixed transaction, activity or participation fees.

Qwik Chek Loans

Wildfire offers a revolving line of credit loan for qualifying members; you can choose a limit up to $5000. Applying is easy, making a draw is even easier. You can make advances through Audio Teller or Online Banking 24 hours a day. There are no transaction, activity, membership or participation fees.

The monthly payment is dependent on your balance: $0 - $1,500 is a $50.00 a month payment; $1,501 - $3,000 is $100.00 a month; $3,001 - $5,000 is $150.00 a month.

Overdraft Line of Credit

This line of credit loan is directly linked to your checking account and provides ready access to cash. It is also overdraft protection for your checking account!

Benefits of the Overdraft line of credit include:

To get started you can call us, stop in or apply online.

Collateral Loans

Collateral loans--those where the item you are purchasing or refinancing is offered as security, such as new or used vehicles, boats, RVs or any other purchased merchandise. You may also pledge any titled good you own free and clear and receive a preferred rate.

Qualifying members may apply for signature loans up to $50,000. Signature loans require no collateral.

Share Secured Loans

A collateral loan based on your savings on deposit at the credit union. Savings equal to the declining loan balance must remain on deposit in the specific savings instrument pledged. IRA accounts cannot be used as collateral. Longer repayment terms are offered with a variable interest rate.


Apply for a loan 24 Hours a Day!

Secure, safe and fast consumer loan approval with Wildfire Credit Union. Apply online today! You must be a Wildfire Credit Union member.

Call our 24-Hour Loan Application Service to apply over the telephone by calling 1-800-227-2328. Qualified loan personnel are ready to answer your questions and take your application. You will receive an answer on these loan applications the next business day, or in some cases, right over the phone.

Open End Consumer Loans
Effective Date: Friday, November 16th, 2018, 12:00am ET.
  • Loans are based on credit approval.
  • There are no transaction, membership, activity or participation fees.
  • APR = Annual Percentage Rate.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • Share secured loans are issued at 2.5% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 5%. Rates adjust annually in the anniversary month of the loan. Call the credit union for current rates.
Loan TypeTermAPR
Share Secured Approximately 240 months 5.00%
Overdraft Line of Credit   15.00%
Prestige Line of Credit - Checking Account Required   8.90%
Qwik Chek Line of Credit   12.60%

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If you are having issues using this website, please call 1-800-227-2328 for assistance.