We all know about the popularity of credit cards. Many of us immediately think about using a 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? We offer competitive interest rates and flexible terms, leaving you with more money in your pocket once your purchase is paid off.

Rates Calculator

Key Features

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

Personal loans can be used for a variety of expenses, both planned and unexpected.

Product Details

  • Flexible terms up to 60 months
  • Competitive rates
  • Online payments & account management

2020 has been a hard year for everyone, both mentally and financially. Many members of our community have struggled financially due to the changes that have occurred during COVID-19. ACU developed the Helping Hands Loan to provide low-interest, short-term loans to help those in our area. We know times are tough, but we will all get through this together.

Product Details

  • Rates starting at 1.99%
  • Loan amounts range from $500-$2,000
  • Terms from 6-24 months
  • First payment can be deferred up to 60 days
  • Online payment & 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

As part of our commitment to our community, ACU has developed a loan program for those interested in starting a credit history, or those who want to re-build a low credit score. Here’s how it works — we hold the loan amount in a savings account while the member makes payments on the loan. After the loan has been paid, ACU provides the member with a lump sum payment. This is helpful for those who need to get their credit score up for a future loan application (such as a mortgage), or for those who just want to build a better credit history.

Product Details

  • Helps to boost credit score with each payment
  • Member receives lump-sum payment at the end of term
  • Online payment & account management