Personal Loans

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