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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

with a loan amount of $10,000 or more and a 48 month term1

  • 1 Rate effective as of 9/28/2023. 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 7.74% to a maximum APR rate of 32.49%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% 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 $242.94 at 7.74% 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


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.

Share Secured Personal Loan

Make your money go even further. Secure your personal loan with a VACU savings account and pay less interest.

Rates as low as

When securing your loan with VACU savings2

  • 2 Rate effective as of 9/28/2023. 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 8.25%.
Two 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.