The Vicinity Credit Union is a personal loan from Vicinity Credit Union. The ongoing APR is 12.00% (credit score 740+), 14.00% (739-690), 16.00% (689-650), 18.00% (649-580); current rates in effect October 17, 2026. Typical credit limit: Minimum $1,000; maximum $5,000. Loan terms: 12 months for $1,000 - $2,000 & 24 months for $2,001 - $5,000.