Personal Loans & Lines

We have a variety of options to help you regain control of your existing debts. First Commonwealth can help bring your current payments under control by consolidating them into one low monthly payment.

Personal Loans
Borrow up to a maximum of $10,000 with flexible payments available up to 60 months.

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Personal Lines of Credit
Borrow up to a maximum of $15,000 and have the benefit of flexible and convenient access to your funds when you need it the most. We offer a competitive, variable rate and peace of mind. Your line can also be used as overdraft protection for your checking account. For more information, see Terms & Conditions below.*
Request a Credit Limit Increase
Request to Close PLOC Account
Overdraft Protection Setup Form

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Share or Certificate-Secured Loans
Enjoy a lower interest rate by borrowing against your own savings. The loan rate is variable on shares and high yield accounts, and fixed on share certificates. The Annual Percentage Rate is only 2% above the current dividend rate.

* Personal Line of Credit – Terms & Conditions: The APR for new advances and existing balances is subject to change on the first day of the month to reflect any change in the index. The index is the Prime Rate. The margin is 4% for A paper, 5% for B paper, 7% for C paper and 9% for D paper. The APR is determined by adding the % shown above (margin) plus the index rounded to the nearest 1/8th percent. Effective May 1, 2009: The APR will not exceed 18% or go below 9% for A paper, 10% for B paper, 12% for C paper and 14% for D paper. Any increase in the APR will take the form of more payments of the same amount. The Minimum Monthly Payment is equal to 2% of the outstanding balance or $25.00, whichever amount is greater. Grace Period and Late Fees: Advances with a monthly payment will have a grace period of 10 days after which they will be charged a late fee of $25.00

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Personal Loan Rates11.16.09
Type	Term	APR (as low as)1
Holiday Loan Special	up to 12 months	6.99%
Personal Line of Credit (variable rate)	N/A	9.00%
Personal Loans (fixed rate)	up to 24 months	10.99%
	up to 36 months	11.99%
	up to 60 months	12.99%
Share or Certificate-Secured Loan	varies	2% above pledged account dividend rate
1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.