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Personal Loans

Get the money you need for larger purchases, such as making home repairs, paying uninsured medical costs, buying furniture, consolidating bills and more. It’s quick and easy to apply.

Attractive rates

As low as 9.49% APR1

  • 1 Rate effective as of 11/17/2019. 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 rating and include a 0.500% discount for repaying by an automated payment method approved by us.
Lower your rate

As low as 6.00% APR2 when you use your VACU savings as collateral

  • 2 Rate effective as of 11/17/2019. 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 funds


Receive your money as early as today

Personal loans are the perfect way to get the money you need quickly. You receive your loan amount in one lump sum, then you make payments over time.

Features & Benefits

  • Quick approval means you could get your money in the same day
  • Manage your loan with online and mobile banking
  • Funds offered in lump sum
  • Move loans from other lenders and save on interest
  • Set up automatic deduction from another financial institution

Make your money go even further.

If you want an even better rate, simply use your credit union savings as collateral. That's right: Simply secure your loan with a VACU savings account - Regular Savings, Premium or Premium Plus Money Market Savings, and Savings Certificates all apply - and pay less interest.

Apply for a Share Secured Personal Loan