Smartly Borrow and Grow Emergency Funds


Payday Alternative Loan

Flat Fee

The Payday Alternative Loan is a small dollar, short term loan designed to help when money is needed right away to meet unexpected expenses. To qualify you must be a current member with at least 6 months continuous direct deposit from the same source.

Members can receive a loan up to $750.00 and pay a 15% flat fee on the amount borrowed. You have up to 90 days to pay off the loan with payments that are linked to your direct deposit.

$25 Refund
For On Time Repayment

All members who pay off their loan on time will receive a $25 refund in the form of a deposit into the Save to Win CD. With the $25 deposit into this special CD you will get one entry into our monthly local and statewide drawing and could potentially win $1000! Increase your change of winning by depositing more on top of what is deposited for you! Learn more about the Save to Win prize and payout information applicable to participating Washington State credit union members.


Fixed 15% flat rate fee for up to $750

Get a $25 refund for on time repayment in the form of a Save to Win CD that includes monthly drawings for up to $1,000


Truth in Lending Disclosure