Personal Loans Receive a lump sum that helps you pay for larger purchases when you need money quickly. Learn more Apply now Rates as low as 6.00 % APR When securing your loan with VACU savings1 1 Rate effective as of 09/16/2019. 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 TODAY Get funds as early as today Personal Lines of Credit Apply once – and tap into your money when you need it. Learn more Apply now Borrow what you need $100+ Lines start at $100, up to your limit Monthly payments as low as $25 Pay 2.5% of your balance or $25 monthly, whichever is greater. Bicycle Loans Get moving with funds just for bikes and accessories. Learn more Apply now Rates as low as 9.49 % APR 2 2 Rate effective as of 09/16/2019. 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 LOCAL 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 Become a member When you become a credit union member, you can access great accounts, low rates, online and mobile banking, member discounts and more. Join now Personal Loan Resources See More Resources Loan Payments Tired of writing checks and mailing them every month? Here are some safe & convenient ways to simplify your life and save money on stamps. How much will my loan payments be? Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan. How long will it take to pay off my loan? Use this loan payoff calculator to find out how many payments it will take to pay off a loan.