For Life’s Expenses

Whatever the need, we can supply the cash through a personal loan. With flexible terms FOCUS can help you get the cash you need without breaking the bank.

Apply Online Today
View Our Rates

Your Holiday Helper, Right on Time

The holidays should be filled with joy—not stress. Whether it’s gifts, travel, or those little surprises that come up, FOCUS Credit Union is here to help you handle it all with ease.

With our Holiday Helper Loan, you’ll enjoy:

  • Borrow up to $2,000
  • Just 9.99% APR*
  • 12-month repayment term
  • Fast approvals
  • Friendly, local service you know and trust

From spooky October surprises to family gatherings in November and last-minute December shopping, this loan is designed to help you finish the year with peace of mind.

Apply Online Today

Don’t wait—this special loan offer is only available through December 31, 2025.

Why Choose FOCUS Credit Union?

At FOCUS, we believe in more than transactions—we believe in people. As your local, member-owned credit union, we’re proud to offer:

  • Personal service that puts your needs first
  • Convenient online and mobile banking tools
  • A community-focused approach that keeps your goals at the heart of everything we do

*APR = Annual Percentage Rate. Rate and offer subject to change at any time without notice. Membership required. Qualifications apply. One loan special per member per season, maximum of two (2) loan specials per member. Terms and Conditions cannot be modified. Federally insured by the National Credit Union Administration. 


Take Control of Your Credit with Credit Sense


With Credit Sense, you can access your credit score and report directly through FOCUS Credit Union’s Online and Mobile Banking platforms. This integration allows you to monitor your credit health without the need for additional logins.