I have loans out from Alliant Credit Union for me and DW, (the build your credit shtick that doesn’t work anymore). We also have deposits there as part of that trick.
I just contacted my Rav about this, will update.
I spoke to R' Ari Marbuger in Lakewood about this, he's somewhat of an expert in Ribbis shaylos.
He told me that there are many poskim that feel it's more serious than a bank, and requires a heter iska, R' Dovid and R' Reuven Feinstein among them. R' Shlomo Miller, who signed the kol koreh, seems to have written a letter backtracking his psak, and there are many rabbanim that feel it's similar to a bank in regards to heter iska. He said if my loan is large and it's a big hefsed to refinance, I can be somech on those who say it's the same as a bank. However, because I only have the loan to build credit, and it wouldn't cost me alot of money to refinance and pull out our deposits, I will probably be doing so shortly, despite my credit taking a hit.