Business Loans Accounts Style 02 Car Loans Checking Credit Cards Digital Banking Accounts Style 01 Home Equity Loans Insurance Investing Membership Mortgage Personal Loans RV, Boat, Motorcycle Loans Savings
Skip to main content
father and son on the couch

Personal Loan Options

Our low-rate personal loans are an affordable way to get the cash you need now – and make payments over time.

Personal Loans

Receive a lump sum that helps you pay for larger purchases when you need money quickly.

Rates as low as

When securing your loan with VACU savings1

  • 1 Rate effective as of 01/17/2020. Minimum and maximum loan amounts or credit limits apply. APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 6%.
Fast Cash


Get funds as early as today

Personal Lines of Credit

Apply once – and tap into your money when you need it.


Borrow what you need


Lines start at $1,000, up to your limit

Monthly payments as low as


Pay 2.5% of your balance or $25 monthly, whichever is greater.

Bicycle Loans

Get moving with funds just for bikes and accessories.

Rates as low as


  • 2 Rate effective as of 01/17/2020. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit rating and include a 0.500% discount for repaying by an automated payment method approved by us. Minimum and maximum loan amounts or credit limits apply.
Shop local partners


Find a bike locally – and get VACU financing.

Included with all personal loans

No opening fees

Online banking, mobile banking and telephone transfers of funds to your checking account

Low rates

Open a loan for as low as $100 and a line of credit for as low as $1,000