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Other Consumer Loans

These loans are secured dollar for dollar from your share, money market or Term Share (CD) account. They are a good way to establish credit and pay a very reasonable rate. The maximum term for this loan type is 10 years.

Partially Secured Loan

These loans are secured 50% (or more) by your share, money market or term share (CD) account. The maximum term for this loan type is 5 years.

Signature Loans

These loans are available for any purpose. Members are eligible to receive up to $7500 on their signature, for a maximum term of 5 years. Loans in excess of $7500 will require cosigners up to a maximum of $14,999. 

ALL Loans

Academic FCU offers three different levels of ALL Loans. These loans are available for any purpose. Members are eligible to receive up to $20,000 on their signature, for a maximum term of 8 years. These are variable rate loans, with a rate based on prime +/- a percentage. The first three years of this loan have fixed payments. All of these loans have initial payments of $300 per month or less. These payments include disability and credit life insurance.

Overdraft/Line of Credit

Academic FCU offers a line of credit up to a maximum of $10,000. The line of credit gives you the freedom to access your credit limit when you need it, with the minimum payment based on your outstanding balance. The line of credit can be used as overdraft for your checking account as well. 

Click here for current rates.