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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.
Personal Loan
Consolidate your debt today for peace of mind tomorrow.
Consolidating your debt with a personal loan from ACFCU may lower your monthly payments and help you save more over the life of your loan. ACFCU is so much more than a lender, we’re your neighbor. Apply today and enjoy our neighborly service.
FIXED RATES AS LOW AS
9.24
%
APR*
-
Save up to 0.25% APR* when you apply online
-
Flexible terms to meet your budget
-
Electronic document signing at your convenience
-
Affordable payment protection plans
Rates Effective: September 23, 2025| TYPE | LOAN MAXIMUM | TERM UP TO | APR* AS LOW AS | SAMPLE MONTHLY PAYMENT 2 |
|---|---|---|---|---|
| TYPE Personal Loan | LOAN MAXIMUM $10,000 | TERM UP TO 48 Months | APR* AS LOW AS 9.24% | SAMPLE MONTHLY PAYMENT 2 $175 for $7,000 or $25 per $1,000 |
| TYPE Personal Loan | LOAN MAXIMUM $20,000 | TERM UP TO 60 Months | APR* AS LOW AS 10.24% | SAMPLE MONTHLY PAYMENT 2 $320 for $15,000 or $21 per $1,000 |
| TYPE Personal Loan | LOAN MAXIMUM $50,000 | TERM UP TO 72 Months | APR* AS LOW AS 11.74% | SAMPLE MONTHLY PAYMENT 2 $485 for $25,000 or $19 per $1,000 |
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.
Fixed rates as low as
9.75
%
APR*
- 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
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.
- 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
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.)
Now available online and in the mobile app for even faster access!
Fixed rates as low as
17.82
%
APR*
- Quick and easy $1,0001
- Fast application—now quicker than before
- No credit check
- 12-month term
- All rates
Manage your money anytime, anywhere with our mobile app.
Why Remarkable Service
is Right For You
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 September 23, 2025. Maximum interest rate 18%. 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.
1Must be a member for at least 90 days to qualify. All accounts and loans must be current (not negative or delinquent) for the past six months. A minimum of $2,000 in deposits is required the previous 61 calendar days. Only one Fast Cash loan per member at a time with two maximum per rolling 12 months. Current Fast Cash loans must be paid off. For a 12-month loan of $1,000 at 17.82% APR, the monthly payment would be $87.43. Payment is based on first due date 30 days after the loan is issued. Application is available 24/7 via online and mobile banking. Immediate funding of approved loans may not be available during evening processing and other periods of system maintenance. Business, Minor, Trust and other restricted memberships are not eligible. Fast Cash Loans are only available online.
2Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.
