Personal Loans and Lines of Credit
Personal Loans Bring Your Goals Within Reach
Personal Loans1
Consolidate higher-rate debt, finance a major life event like a wedding, cover unexpected costs, or just get a little breathing room in your budget. With our personal loans, what you do with the funds is up to you.
- No application fee
- Low rates based on creditworthiness1
- Flexible repayment terms
Contact Member Services at (800) 849-8431 for additional information or stop by your nearest branch.
Personal Line of Credit(LOC)2
For times when you need it most, our Personal Line of Credit provides you with flexible, easy
access to cash. If you need ongoing access to funds, or if you don’t know the full cost of a
project, a Personal Line of Credit may be better. With this type of LOC you can use the credit as
needed, and only pay interest on the funds you borrow.
- Instantly transfer funds to your APCU Center Parc Checking Account
- Credit limits up to $15,000!
- Rates lower than most credit cards
- Your $49 annual fee is waived for the first year
- No cash advance fees
To qualify, you must have been a member for at least six months and have had direct deposit
set up for at least 90 days. Not yet qualified? Set up a direct deposit to be eligible soon!
Contact Member Services at (800) 849-8431 for additional information or stop by your nearest branch.
Certificate of Deposit (CD) Loans3
Have larger purchases on the horizon? Or maybe you have the need to cover unexpected expenses or consolidate debt. Use the money you’ve invested in your CD as collateral while keeping your balances in check and continuing to earn interest.
- No application fee
- Annual Percentage Rates 2.00% higher than the Annual Percentage Yield on your certificate3
- Flexible repayment terms
Contact Member Services at (800) 849-8431 for additional information or stop by your nearest branch.
First-Time Borrower Loans1/4
Getting a loan for the first time isn’t always an easy experience. That’s why we developed a loan program just for members ages 15 to 17. It’s a great way to build a strong credit history by financing a smaller purchase.
- Maximum loan amount of $500
- Special, low APR for first-time borrowers1/4
- Flexible repayment terms
- No application fee
Click here or contact Member Services at (800) 849-8431 for additional information, or stop by your nearest branch.
1 Credit union membership, credit qualifications and other conditions apply. The rate may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify. Programs, rates, terms, and conditions are subject to change without notice.
2 Credit union membership, credit qualifications and other conditions apply. The APR is the Credit Union’s standard rate as of January 1, 2025, APR can range from 9.99% to 15.99% APR. The rate may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify. Programs, rates, terms, and conditions are subject to change without notice.
3Credit union membership eligibility requirements apply. Programs, rates, terms, and conditions are subject to change without notice.
4Requires a co-signor who is 18 years of age or over.
