Go ahead and dream it. We’ll make it possible with an affordable personal loan from VA Desert Pacific Federal Credit Union! No matter where our members come from, they’re family here. That means we find ways to help you achieve your goals and dreams.

All of our loans come with protection against major life events such as loss of life, disability and involuntary unemployment, so you don’t have to worry that the money you borrow will become a burden if the unexpected happens.

Personal Loan
No matter what you need additional money for (consolidating debt, covering unexpected expenses, making a large purchase or planning a dream vacation), we can help! Our personal loan rates are typically much lower than rates at other financial institutions, plus we offer rate discounts if you set up automatic payment or direct deposit.

  • Fixed, competitive rates
  • Loan amounts from $1,000 to $30,000
  • Flexible repayment periods from 6 months to 5 years
  • Quick access: receive funds within 3 business days once approved
  • No pre-payment penalty
Overdraft Line of Credit
Protect your checking account from accidentally becoming overdrawn and gain the flexibility to borrow the funds you need, whenever you need them. With a line of credit, you only have to apply and receive approval one time, then you can borrow funds again and again. You’ll only pay interest on the funds you actually use.
  • Low interest rate on the funds you use
  • Automatically linked to your checking account for overdraft protection
  • Access is available through Telephone Banking and Online Banking
  • Payment can be set up on automatic transfer or payroll allotment
  • Option to order free checks for easier access to your funds
  • No pre-payment penalty
Credit Card
Enjoy the convenience of a credit card with the low rate that only VA Desert Pacific FCU can provide. Just like our Overdraft Line of Credit, you’ll only pay interest on the funds you actually use.
  • Low interest rate on the funds you use
  • Access is available through Online Banking
  • Payment can be set up on automatic transfer or payroll allotment
  • No pre-payment penalty
Savings and CD Secured Loan
When you use your savings account or certificate as collateral, you can take advantage of our lowest interest rates and access the funds you need while your savings account or certificate continues to grow! You can use the funds for any purpose.
  • Low interest rates
  • Loans approved instantly for up to 100% of funds on deposit with the credit union
  • Savings/CDs continue to earn dividends while the loan is being paid
  • No pre-payment penalty
Need help improving your credit? This is the loan for you! A Savings/CD Secured Personal Loan can be used as a "credit builder" where loan proceeds are redeposited into a savings account, which then serves as collateral for the loan.


Contact our loan specialist today and get a personalized solution based on your individual needs.
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Apply for Membership

Improve your life and your finances when you make the switch to VA Desert Pacific Federal Credit Union.

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Mobile Banking

Save time and bank wherever you go with the security and convenience of mobile banking.

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Free Online Banking 

Look at your statements, pay bills, and make transactions with the click of your mouse!