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Personal Accounts

Whether you're consolidating debt, updating your kitchen or bath, saving for college or wanting to take that summer vacation, a personal loan from Carter Credit Union can help make it happen.

And as a local community driven credit union, we work closely with our members to match you with the product that is right for you and your situation.


  • Competitively low rates for your loan needs
  • Flexible terms customized to your unique situation

We offer the following unsecured loans:

  • Personal
  • Lines of Credit
  • Credit Cards
  • Salary Advance

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Coverage Protection Plans

Buy your rate down further with additional Coverage Protection plans.

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Receive the ultimate in purchasing power, flexibility, and convenience when you carry a Carter Credit Union Credit Card. This card is sure to fit both your lifestyle and your spending style, not to mention the opportunity to earn great rewards with your purchases. Rewards are available in points to cash and merchandise. 

Enjoy competitively low rates, no annual fee, and even a 25-day grace period. Make your life easier with your very own Carter credit card.


  • Introductory rate of 0% APR for 6 months*
  • No annual fees/No balance transfer fees
  • Online account access
  • Cash advance APR same as purchase APR
  • Earn great rewards on purchases

*APR - Annual Percentage Rate. After 6 months introductory rate qualified rate applies



CU Rewards

Take advantage of your savings by borrowing your own money at great low rates while still earning your dividends. Carter makes borrowing easy!

  • Share Secured1
  • Certificate2

1 Share loan rates will be 2% above current share rate earnings, with a floor of 4.95% APR.

2 Certificate loan rates will be 2% above current certificate rate earnings

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An education beyond high school is a great investment in your future. If you are mapping out your plans for the future, check out the many benefits in Sallie Mae’s Smart Option Student Loan Program.

  • Online application convenience
  • Competitive Rates/Fixed or Variable
  • Prepayment options to fit your needs
  • Minimum loan amount is $1,000
  • Available for undergraduate and graduate

View Additional Information and Apply

Refinance your existing student loans with Carter Credit Union to lower your monthly payments and reduce the interest.* Carter is here to assist you with a loan that fits your budget and lifestyle. 

  • Competitive Interest Rates
  • Flexible Rates and Terms
  • Interest Rate Reduction Options
  • Cosigner Release Flexibility
  • Quick Application Process

*Rates based on credit worthiness.  Certain qualifications and restrictions apply.

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