This benefit lets union members apply for a low-interest, unsecured personal loan for unexpected expenses or to pay off other bills. The program is ideal for members who want to avoid paying high rates on finance-company loans.

Here is what the Loan Program offers:

* Personal loans from $2,500 to $15,000 with repayment terms of up to seven years

* Lower rates an longer terms for lower monthly payments

* The convenience of applying for a loan from home

* A convenient skip-payment option

* Cash refunds for automatic account withdrawal payments