Personal Loans | AmeriCU Credit Union | Apply today! 800.388.2000

Personal Loans

Personal Loans at AmeriCU

AmeriCU provides our members with the right financial services to live life, dream big and achieve financial success! Whether your dream is big like getting a college degree, or something smaller like a tropical vacation, we have the right loan for you!  When you choose AmeriCU, you get:

AmeriCU Personal Loan Products

Student Loans

If you need a way to fill the gap between the cost of college attendance and any Federal loans or scholarships you’ve received, AmeriCU’s private student loans are a great choice.

  • Available to undergraduate students attending qualifying New York State colleges.
  • Low interest rates
  • Flexible repayment & in-school deferment options
  • Borrow up to $50,000
  • Line of Credit which means you can borrow once for your full undergraduate career
  • No origination or prepayment penalties
  • Borrow from a not-for-profit credit union you can trust

Learn more and apply online.

Call CU Student Choice at 866.210.3876.

Personal Loans (Unsecured)

We all have times when we could use a little extra cash. Whether you have an unexpected expense, need a vacation, or want to consolidate your debt, a personal loan from AmeriCU is a great choice.

  • Low rates
  • Minimum loan $1,000 (rates and terms based on creditworthiness)
  • Maximum loan $50,000
  • Terms up to 60 months (12 months per $1,000 financed)
  • Quick decisions made locally

View current personal loan rates.

Apply for a personal loan now.

Personal Line of Credit

Credit available when you need it – at great, low rates.

  • Minimum loan $500
  • Maximum loan $5,000
  • Quick decisions made locally
  • Low rates

View current personal line of credit rates.

Apply for a personal line of credit now.

Certificate and Share-Secured Loans

Secured by funds in either your Share Certificate or Savings account (excluding IRAs, Money Market savings, Share drafts, Escrow, or any shares secured for credit cards).

  • Borrow 100% of your certificate’s principal balance at 3.00% above the dividend rate for the certificate, or
  • Borrow 100% of your savings available balance at 4.00% above the dividend rate being paid on the share
  • Quick decisions made locally
  • Continue to earn dividends on funds that are secured
  • The amount of the loan cannot exceed the amount of the certificate
  • The loan term must be equal to or less than the certificate term

More from AmeriCU

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Have you started planning for your future? Sit down with a Member Financial Advisor and start planning today. Learn more about wealth management.

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Financial Wellness

You face important financial decisions every day. Give yourself the tools you need to be prepared! Learn more about financial wellness.


ACUshield Debt Protection

If your life takes an unexpected turn, your family’s finances can be strained. But optional Debt Protection may cancel or reduce your loan payments or balance in case of involuntary unemployment, disability or death. Learn more about ACUshield.