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 5.99 % APR with a loan amount of $10,000 or more and a 48 month term1 1 Rate effective as of 12/07/2022. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 5.99% to a maximum APR rate of 32.49%. Ask us about other APR and longer term options. Regardless of available discounts, 5.99% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $234.81 at 5.99% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time. 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 $1,000+ Lines start at $1,000, up to your limit Monthly payments as low as $25 Pay 2.5% of your balance or $25 monthly, whichever is greater. Share Secured Personal Loan Make your money go even further. Secure your personal loan with a VACU savings account and pay less interest. Learn more Apply now Rates as low as 6.25 % APR When securing your loan with VACU savings2 2 Rate effective as of 12/07/2022. 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 6.25%. Two options options Savings secured or certificate secured loan 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 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 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.