Online Banking Login


Borrow up to 40% of your annual income! 

The PEARL Loan allows you to borrow up to 40% of your annual household income up to a maximum of $100,000.

Use the loan to pay off student loan debt, credit card debt, auto loan debt, and any other expenses that you have. Eliminate these debts and reduce everything into one lower, monthly payment!

Minimum Qualifications:

  1. Provide three years of W-2s to prove income
  2. Borrow up to 40% of your income up to $100,000
  3. PEARL funds must be used to pay off existing debt

Click here for current rates.
Call us at 914-923-3608 to learn more.


Frequently Asked Questions (FAQ's)

2) How do I qualify for a PEARL Loan?
In order to qualify for a PEARL Loan you must have a credit score of 700 or higher and a debt-to-Income ratio of 45% or lower. Debt-to-income ratio means all of the debts listed on your credit report, including your housing expense, are added up and divided by your monthly gross income.

3) What proof of Income will I need?
You will need to prove three years of steady income to qualify for the PEARL Loan.

4) How much do I need in my Academic FCU account to get this loan?
All you need is the $20 minimum in order to be eligible for the PEARL Loan. 

5) Are there any restrictions on what the PEARL Loan can be used for?
Yes. The PEARL Loan must be used to consolidate debt.

6) When do my payments start?
Your payments start one month from the day you receive the funds from your PEARL Loan.

Have more questions? Want to know EXACTLY how the PEARL Loan can benefit you? Just give us a call at (914) 923-3608 and we'll be happy to help! Our professional lending staff is available to help answer any questions you may have regarding the loan or the application process. 


*APR = Annual Percentage Rate