Personal Loans and Lines of Credit

When life calls for extra funds, Tidemark gives you flexible ways to borrow. Choose a Personal Loan for a set amount and predictable repayment, or a Personal Line of Credit for ongoing access when you need it.
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Personal Loan

A Personal Loan can be a good fit when you know how much you need and want a structured repayment option. Use it for eligible expenses, larger purchases, holidays, tuition, furniture, vacation costs, home improvements, or moments when you need extra funds and want a clear payoff path.

  • Borrow a set amount and repay over time.
  • Helpful for one-time expenses and planned purchases.
  • Simple application process with local support.
Apply for a Personal Loan
View Current Loan Rates

Personal Line of Credit

A Personal Line of Credit gives you flexible access to funds up to your approved limit. It can be helpful when you want borrowing power available for ongoing expenses or unexpected needs.

  • Access available credit when needed.
  • Helpful for recurring or unpredictable expenses.
  • Borrow, repay, and withdraw as needed within the approved limit.
  • Your rate is variable and adjusts monthly based on the Prime Rate, so your payment may change over time.
Apply for a Personal Line of Credit
View Current Line of Credit Rates

Personal Loans

Rates Effective Starting: 3/3/2026

Product APR as low as i APR (Annual Percentage Rate)
All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower.
Personal Loan
7.43%
Line of Credit
9.50%
(18)(20)

Not Sure Which Option Fits Your Needs?

A Personal Loan is typically best when you know how much you need upfront. A Personal Line of Credit may be a better fit when you want flexible access to funds over time.
Personal Loan Personal Line of Credit
Best for One-time expenses with a set borrowing amount Ongoing or unexpected expenses when you want access to funds as needed
How it works Borrow one lump sum and repay it over time with scheduled payments Access funds up to your approved credit limit and use what you need, when you need it
Good fit if you want to Cover a specific purchase, project, expense, or debt consolidation need Have a flexible borrowing option available for future expenses
Common uses Home projects, medical expenses, travel, larger purchases, debt consolidation, or unexpected bills Emergency expenses, ongoing projects, seasonal costs, or extra flexibility between paychecks
Repayment style Scheduled payments based on the amount borrowed, rate, and term Payments vary based on the amount borrowed and current account terms
Rate type Fixed Variable, adjusts monthly based on the Prime Rate
Helpful to know A Personal Loan may be better when you want a clear repayment plan from the start A Personal Line of Credit may be better when you do not know the exact amount you will need upfront
Next step Apply for a Personal Loan Apply for a Personal Line of Credit

What Our Members Are Saying

Real experiences from people who trusted Tidemark with one of life’s biggest decisions.

Still deciding?

Tidemark can help you compare both options and choose the one that fits your needs, budget, and borrowing goals.
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Personal Loan FAQs

Loan Rates Disclosures

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1Rates displayed are "as low as" for Primary residence purchase loans. Displayed rates include discount points. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), occupancy, property type and loan purpose, and/or other factors. Down payment and loan-to-value (LTV) requirements may vary depending on the occupancy, property type, loan purpose, your creditworthiness, and/or other factors. All loans subject to credit approval.

2A fixed-rate loan of $256,000 for 30 years at 6.375% interest and 6.442% APR will have a monthly payment of $1,597.11. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 20 years at 6.125% interest and 6.213% APR will have a monthly payment of $1,852.57. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 15 years at 5.625% interest and 5.734% APR will have a monthly payment of $2,108.75. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

3Adjustable Rate Mortgages (ARM) are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Properties limited to the Delmarva Peninsula. All loans subject to credit approval.
4Loan amounts above $600,000 may require PMI.

5A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.000% interest and 6.053% APR will have a monthly payment of $1,918.56. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 7/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.250% interest and 6.303% APR will have a monthly payment of $1,970.30. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.500% interest and 6.554% APR will have a monthly payment of $2,022.62. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

6A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $320,000 for 30 years at 6.875% interest and 6.968% APR will have a monthly payment of $2,102.17. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

7Rates displayed are "as low as" for purchase loans. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. Contact us for terms for refinances. All loans subject to credit approval.
8Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Minimum loan amount $50,000. Maximum Loan amount $600,000, 80% Loan to Value. All loans subject to credit approval.
9A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 20 years at 6.625% interest and 6.697% APR will have a monthly payment of $2,409.44. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of unimproved land, 780 FICO, down payment of 20% up to the conforming loan amount limit.
10 Rates displayed are "as low as" for primary residence only. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. All loans subject to credit approval.
11 Net appraised value is appraised value less 1st lien balance. Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV. Minimum loan amount $25,000. Maximum $400,000. Other terms available if TFCU is first lien holder. Primary residence only. Additional limitations may apply.
12 Rate changes monthly based on Prime Rate as published in the Wall Street Journal plus a margin. Interest only payments are made during the 10-year draw period then the remaining balance is amortized over 15 years.
13  

14 Home Equity Line of Credit (HELOC) with interest only payments at 6.750%, Prime interest and 6.798% APR would require a minimum monthly payment of $5.63 per $1,000.00 borrowed during the draw period. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

A fixed-rate loan of $100,000 for 20 years at 7.000% interest and 7.039% APR will have a monthly payment of $775.30. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

15 Rates may vary based on term, down payment, credit worthiness and age of unit.
16 Rates are 3% above share/certificate dividend rate; adjusted with the dividend rate. For share secured loan funds must be held in the Prime Share. Retirement certificates are not eligible to be pledged.
17 Variable rate adjusted quarterly based on Prime.
18 Variable rate adjusted monthly based on Prime.
19 Rates based on the Prime Rate of 10/01/2025 (Visa®)
20 Rates based on the Prime Rate of 04/29/2026 (Line of Credit)
ANew Vehicles are defined as the two (2) most recent model years that have not been previously titled and include automobiles, trucks, and vans. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
BUsed Vehicles are defined as automobiles, trucks, and vans that have been previously titled and are up to fifteen (15) model years old. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, vehicle age, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
CRecreational Vehicles (RVs) and Boats are eligible for financing if they are within the most recent ten (10) model years. Boat financing must include the boat hull and all associated motor(s). A trailer may be included as part of the financing package when applicable. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
DMotorcycles are eligible for financing if they are within the most recent ten (10) model years and include motorcycles, sport bikes, cruisers, touring motorcycles, trikes, and similar street-legal powersport vehicles. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
EClassic Automobiles are eligible for financing if they are at least twenty-five (25) years old and meet the current J.D. Power definition of a classic vehicle. The vehicle must remain substantially consistent with its original factory design and configuration and may not be undergoing restoration at the time of application. Borrowers are required to provide current photographs of the vehicle for eligibility verification. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, vehicle condition, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
FPowersport vehicles are eligible for financing if they are within the most recent four (4) model years and include All-Terrain Vehicles (ATVs), Utility Task Vehicles (UTVs), and Personal Watercraft (PWCs). Personal Watercraft financing must include a trailer as part of the collateral package. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.
Rates are subject to change without notice and are accurate as of the date listed above. Additional rates and terms may apply. Members may contact any Credit Union staff member for details on applicable fees and terms. The rates shown apply only to new money and new loans with Tidemark Federal Credit Union. Existing Tidemark loans may not qualify for the advertised rates if refinanced internally. Rate eligibility is determined by multiple factors, including loan type, creditworthiness, and the terms of the current loan agreement.