The cash you need, right when you need it.

Personal Loans

Think of personal loans as all-purpose funds you can borrow now and pay back over the years. Use them to consolidate high-interest credit cards, make home improvements or cover unexpected expenses. If you have something in mind, we do too.

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Personal Loan

For when you just need a little extra.

Borrow up to $25,000 at a low fixed rate that you can use for just about anything: To help with unexpected expenses, pay off high-interest credit cards, home improvements—and more.

Rates as low as

8.24
%
APR*

FEATURES & BENEFITS

Apply Now

Personal Line of Credit

For flexible spending and repayment.

Looking for a little more financial flexibility? This line of credit could be right for you. Much like a credit card, this line gives you access to money as you need it and can also help you avoid the embarrassment of overdrawing your checking account, covering any checks you may write that exceed your available balance.

Rates as low as

8.25
%
APR*

FEATURES & BENEFITS

  • Revolving line of credit you can use as you need it
  • Interest paid only on outstanding balance
  • Link it to your checking account for overdraft protection
  • Get cash advances quickly and easily via online banking 
  • Optional payment protection plan
  • All rates
Apply Now
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Fast Cash Loan

No credit check!

Sometimes life hands you unexpected expenses. When that happens, Fast Cash may be right for you. It’s a short-term, personal loan with a fast application so you get the money you need, when you need it. There is no credit check, just a small fee. (To qualify, you must be a member for at least 90 days.)

Call 703-526-0200 x2

Interest Rate of

8.99
%

FEATURES & BENEFITS

Share or Certificate Secured Personal Loan

A great way to help build credit.

Think you can’t get credit because you don’t have any? Think again. With ACFCU’s secured personal loan, you can use your Share or Certificate account balances to secure the loan you need.

Call 703-526-0200 x4

FEATURES & BENEFITS

  • Your savings serve as collateral for the loan (we place a hold on the money)
  • Save with a low interest rate that’s just 3% above what you’re earning on your ACFCU savings
  • Flexible repayment terms
  • Continue to earn dividends on your Savings or Certificate account
  • As you pay down your loan balance, you can use those funds again
  • All rates
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Manage your money anytime, anywhere with our mobile app.

5 star rating
5 star rating

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

*APR = Annual Percentage Rate. Rate subject to change without notice. Rates effective as of May 15, 2020. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications and apply online. Minimum loan amount $1,000.

1Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

2Qualifications: must be a member for at least 90 days. All accounts and loans must be current (not negative or delinquent) for the past six months. Direct deposit is not required. However, $1,000 in deposits every calendar month for the past two months is required. Only one Fast Cash loan per member and only one open at a time with two maximum per rolling 12 months. Current Fast Cash must have 6 months of payments before it can be refinanced. Hardship Fast Cash or VHC Fast Cash do NOT count towards the 2 per year, and do NOT have to be paid off with proceeds of a Holiday Fast Cash Loan. For members who don’t have a current Fast Cash we will only allow one Fast Cash loan for a maximum balance of $1,500. Only the primary account holder may apply for Fast Cash. $1,000 Fast Cash with 8.99% interest rate + $40 finance charge = 16.78% APR total. Monthly payment amount = $87.44. $1,500 Fast Cash with 8.99% interest rate + $40 finance charge = 14.14% APR total. Monthly payment amount = $131.16. Payment is based on first due date in 30 days. Not all members qualify for payment deferment. Interest will continue to accrue for the entire deferment period. Deferred payments may not exceed 45 days.