We offer Unsecured Personal Loans, Secured (Collateral) Personal Loans, and Credit Builder Loans. Each of these has different characteristics for a variety of needs / circumstances.

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Key Features

  • Competitive Rates
  • Flexible Terms
  • Easy Application
  • Online Payments

Many of us immediately think about using a credit card for large purchases, especially if those cards come with rewards. But those rewards often come with higher interest rates, leaving you paying more for your initial purchase. Instead of turning to a credit card, why not consider a personal loan for a large purchase, or to cover an unexpected expense? If you already have a high balance on a card (or cards), a personal loan may save you money and shorten the time to pay it off. We offer competitive interest rates and flexible terms, leaving you with more money in your pocket once your debt is paid off.

Unlike credit cards, personal loans tend to offer lower, fixed interest rates and flexible terms, so you end up paying less over the life of your loan and get the borrowed amounts paid off sooner than with credit cards or even high-interest personal loans.  

Product Details

  • Flexible terms up to 84 months
  • Competitive rates
  • Online payments & account management

For ACU members interested in a personal loan with a potentially lower rate, we offer our collateral loans. Members can use a Certificate of Deposit as collateral when securing a loan, which means they still earn money while paying off the loan.

Product Details

  • Competitive rates
  • Flexible terms up to 120 months
  • Continued interest earning in CD account
  • Online payment & account management