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

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