Personal Loans

Secure the money you need today with a loan from APL FCU. Whether you’re looking to consolidate debt, finance a home improvement, cover unexpected expenses or treat yourself to a much-needed vacation, we can help.

Lines of Credit

An open-end Line of Credit can be a valuable tool in your overall financial management strategy. Any time you need extra cash, it’s available up to your predetermined credit line, or it can be used as overdraft protection for your checking account. Access can be made through eBranch, Telephone Banking, at any APL FCU ATM or by writing a check. 
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Rates effective as of 01-07-2026 and are subject to change without notice.

Terms

Line of Credit

APR*

11.50%

Join and Apply 

Savings Secured Loan

Get the lowest fixed rate and be approved automatically when you borrow against your APL FCU Savings or CD.
  • Minimum loan is $100, maximum loan is the amount of your deposit pledged
  • Repayment term up to ten years for a variable rate and five years for a fixed rate
  • Certificate Secured Loans may be set up as single payment loans, with a maximum term of 60 months
  • Fixed rate is 2.25% above the Regular Savings rate for pledged savings accounts
  • Fixed rate is 1% above the rate on CDs that are pledged
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Rates effective as of 01-07-2026 and are subject to change without notice.

Terms

Savings Secured (variable)

APR*

5.50%

Terms

Savings Secured (fixed)

APR*

2.30%

Join and Apply 

Unsecured Personal Loans

  • Great for consolidating bills, taking a vacation or making a special purchase
  • Variable rates
  • Terms up to 60 months
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Rates effective as of 01-07-2026 and are subject to change without notice.

Terms

Personal Loan (variable)

APR*

12.50%

Join and Apply