Personal Loans

We have a variety of loan products to fit your needs. Whether it's consolidating debt, covering unexpected expenses or treating yourself to something new, we can help.

Share Secured Loans

Use your share account to secure a low-interest loan with up to 60 months to repay. It’s a smart way to meet an unexpected expense without touching a penny of your savings or to begin building a positive credit history. The interest rate on your loan is only 2% above the current share rate. Plus, your savings will continue to earn interest, reducing the actual cost of your loan – just one smart way to borrow money when there is a need.

Certificate Secured Loans

If you have a share certificate but need some extra cash, no need to worry. Our certificate secured loan may be the answer. By borrowing against your certificate at 2% above your current certificate interest rate, you avoid having to pay early withdrawal penalties. You also continue to earn interest on your investment and you pay a low rate on your loan.

Lines of Credit

We offer a line of credit as your instant source of cash for repairs, travel or other special purchases.

The line of credit offers a low, fixed interest rate to help you plan for unexpected purchases. Payments are only required when you use it and when you pay the balance down, it will be ready to use again.  When you apply, you can even ask to have the line tied to your checking account to act as overdraft protection.

Our lines of credit have a minimum loan amount of $500 and $50 minimum advance amount.

Credit Builder Loans

Do you need to find a way to build some credit so you can finance a car or home someday? With our credit builder loans, we can help you get started on your way to good credit. If you have no credit, we will loan you up to $1,000 to get you started. This type of loan is handled as a share certificate loan, meaning the amount loaned to you will be placed in a share certificate for the length of your loan. Once your loan is paid off in full, the funds in the certificate are yours to spend - or save, as you like.

*Some restrictions may apply.

Smart Option Student Loan® for AACFCU by Sallie Mae® 

For borrowers attending degree-granting institutions, now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here

Smart Option Student Loan features and benefits: 

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates providing even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialist

SNAP Loan Payment

Need to make a loan payment now before it’s late? Need to use a checking account, credit or debit card from another financial institution to make the payment?

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Apply for our Credit Card

We offer credit cards with low rates and great terms. Plus, no annual fee or balance transfer fee!

Apply Now

APR = annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Advertised rates may change at any time. Offer good with approved credit for loans new to AACFCU.

Frequently Asked Questions:

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Or speak to a Member Service Representative at any of our branches.