Consumer Loans

Loan Type
Approximate Terms
APR as low as* Conditions
Signature Loan† 9.24 % Up to $50,000
Signature Line of Credit - Variable 9.49 % Up to $50,000; APR is Prime Rate** + 4.24 - 14.99%
Savings Secured (Regular Savings) 3.00 % Savings are pledged for loan; amount of the loan cannot exceed the balance in the account securing the loan
Savings Secured (Certificates) 2.00 % 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

*APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. VISA Credit Card rates apply to cash advances, balance transfers, and outstanding balances on purchases.

**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.

† 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.