Personal Loan Rates

*APR = Annual Percentage Rate. Current APR as of 4/17/2026. Rate based on creditworthiness and term of the loan. Rates are subject to change at any time and are not guaranteed.
^Credit Builder Loan rate is the share certificate rate plus 6%. Loan amounts between $500 to $1,000. The proceeds of the loan will be the funds used to create the share certificate. Member account must be in good standing for the last 90 days in order to qualify for the loan. “Good standing” is defined as no returned items and proper use of overdraft facilities. the term of the loan must range from 6 to 12 months. Auto-pay required.

**APR = Annual Percentage Rate. Rates as low as 8.74% APR are available for a term of up to 36 months. Loan amounts range from $500 to $20,000, based on creditworthiness. Members with a credit score of 720 or higher may qualify for up to $20,000; scores of 700–719 may qualify for up to $15,000; and scores of 670–699 may qualify for up to $10,000. A minimum credit score of 670 is required to apply. All loans are subject to credit approval, underwriting guidelines, and membership eligibility requirements. Loan proceeds must be used for debt consolidation purposes only and will be disbursed directly to creditors as specified by the borrower; no funds will be paid directly to the borrower. Rate, terms, and offer are subject to change without notice. This is a limited-time offer and may be withdrawn at any time. Other restrictions may apply. Contact 1st Advantage Federal Credit Union for complete details.