Personal Loans

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Apple FCU Personal Loans

Whatever you need, we would like to help

Life happens. For the expected and unexpected expenses we all face, our Personal Loans can help you afford whatever you need. From engagement rings, dream vacations, medical bills and home upgrades to debt consolidation, we got you covered.

Schedule a Video Banking appointment to speak with a loan officer

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Loan Perks

competitive-rates

Competitive Rates

Borrow_up_to_50,000

Borrow up to $50,000

terms-up-to-60-months

Terms up to 60 months

no-hidden-costs

No hidden costs or early payoff penalties

easy-payments

Easy payments with Online & Mobile Banking

easy-online-application

Easy application process

 

Loan Options

Signature Loan

  • Lump-sum funding
  • Fixed-rate payments
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Signature Line of Credit

  • Low, variable-rate payments
  • Convenient access to your money - online, by phone, by check or in person at any branch
  • Use this for the overdraft protection for your Apple Checking
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Savings Secured Loan

If you're looking to build or repair your credit history, consider a Savings Secured Loan. Borrow against funds held on deposit in your Apple Savings or an Apple Certificate. Plus, your savings will continue to earn dividends.
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First Responder Line of Credit

Available to current/retired law enforcement, firefighters, EMS personnel, healthcare professionals and other first responders for unexpected expenses, paying off debt or large purchases.
  • Borrow up to $5,000
  • 0% APR for the first 12 months1
  • Low monthly payments
  • $500 guaranteed2
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Educator Line of Credit

Available to current or retired educators for classroom expenses, paying off debt or other unexpected expenses life brings.
  • Borrow up to $5,000
  • 0% APR for the first 12 months1
  • Low monthly payments
  • $500 guaranteed2
Apply Now

Rates

APR as low as* Conditions

Signature Loan

7.74% Up to $50,000 Apply Now

Signature Line of Credit (Variable)

7.49% Up to $50,000; APR is Prime Rate** + 4.24 - 14.99% Apply Now

Savings Secured (Regular Savings)

3.00% plus the dividend rate paid on the deposit account Savings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan Apply Now

Savings Secured (Certificates)

2.00% plus the dividend rate paid on the deposit account Certificates are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan and must be equal to or less than the Certificate term Apply Now

First Responder Line of Credit

3.25% To qualify, applicant must be a first responder. First responder is defined as anyone currently or retired from working as law enforcement, firefighters, EMS personnel and healthcare professionals. All employees or retirees, regardless of position, are eligible. Apply Now

Educator Line of Credit

3.25% To qualify, applicant must be an educator. Educator is defined as anyone currently employed by or retired from the education industry, to include public/private schools, and colleges/universities in the United States. All employees or retirees, regardless of position, are eligible. Apply Now

1APR = Annual Percentage Rate as of 03/01/2022 only available for the first 12 months of promotional offer. Line of Credit rates adjust to a Prime Rate APR1 after the promotion period based on an evaluation of applicant credit; not all applicants will qualify for the lowest rate. A minimum monthly Direct Deposit of $1000 must be in place or established within 60 days of the LOC open date to qualify for this promotional Line of Credit.

2Apple offers a $500 guaranteed Line of Credit provided that at least one of the applicants meets minimum creditworthiness requirements.

*APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate.

**Index as published in the Wall Street Journal on the first business day of the month preceding Jan. 1, April 1, July 1, and Oct. 1. Maximum Rate 18.00%.

 Includes a 0.25% Direct Deposit rate discount; subject to change at any time. Rates are based on an evaluation of applicant credit and amount financed. Your actual APR will be disclosed at the time of disbursement. Not all applicants will qualify for the lowest rate. 0.25% rate discount contingent upon an active, monthly direct deposit of $1,000 or more into an Apple FCU Savings or Checking account. If you fail to set up Direct Deposit within 60 days of Loan closing, or at any point during the life of the Loan are no longer receiving the Direct Deposit minimum of $1,000 a month, the rate will increase by 0.25% above the interest rate disclosed in the Loan and Security Agreement, beginning the first day of the month following any such occurrence, and until all Principal is paid in full. The discount cannot be reinstated during the term of the loan.

What information do I need to get a loan

You'll need:

  • Government issued photo ID - a driver’s license, state-issued ID or a military ID
  • Recent paystub, W2 and/or filed and signed tax returns (for self-employed individuals)

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We REALLY Love our Members

We REALLY Love our Members

When you close on a qualifying loan, you’ll be entered to win a biplane adventure!*

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