Personal Loans

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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.

All Apple Personal Loans Feature

Highly Competitive Rates

Competitive Rates

Borrow up to $50,000

Borrow up to $50,000

No hidden costs or penalties

No Hidden Costs or Early Payoff Penalties

Easy payments

Easy Online and Mobile Payments

Signature Loan

Are you looking to consolidate debt or need extra funds? Offering you fixed payments and terms, our Signature Loan can be tailored to fit your budget and needs.

Features

  • Lump-sum funding
  • Fixed-rate payments
  • Terms up to 60 months

APR1 as low as

9.99%

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1APR = Annual Percentage Rate as of 11/01/2022. 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.

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 $500 or more into an Apple FCU Savings or Checking account. Apple FCU Direct Deposit will be paid up to 2 days early depending on employer. 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 $500 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.

Signature Line of Credit

Need continuous access to funds for a long-term project or emergencies? Open a Line of Credit and borrow what you need from your approved line, when you need it.

Features

  • 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

APR1 as low as

10.49%

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1APR = Annual Percentage Rate as of 10/12/2022. 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. The rate will vary with the market based on the Prime Rate as published in the Wall Street Journal. We will use the most recent Index value as of the 1st day of the month preceding any APR Adjustment. The APR is subject to change on the first day of January, April, July and October. Maximum Rate 18.00%.

Savings Secured

If you're looking to build or repair your credit history or lower your interest rate, consider a Savings Secured Loan. You’ll borrow against your own funds held in your Savings account, while still earning dividends on the funds.

Features

  • Securing loan lowers rate
  • Savings continues to earn dividends
  • Build credit while limiting your exposure

APR1 as low as

3.00%

plus dividend rate


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1APR = Annual Percentage Rate as of 09/23/2009. 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.

Savings Secured

If you're looking to build or repair your credit history or lower your interest rate, consider a Savings Secured Certificate loan. You’ll borrow against your own funds held in a Certificate, while still earning dividends on the funds.

Features

  • Securing loan lowers rate
  • Certificate continues to earn dividends
  • Build credit while limiting your exposure

APR* as low as

2.00%

plus the dividend rate


View All Rates

1APR = Annual Percentage Rate as of 09/23/2009. 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.

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.

Features

  • Borrow up to $5,000
  • 0% APR for the first 12 months*
  • Low monthly payments
  • $500 guaranteed**

APR1 as low as

6.25%


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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.

Introductory rate 0% for the first 12 months. Rates after the 12 month introductory period are based on an evaluation of applicant credit at the time the line of credit was opened. Rates range from 3.25% to 10.25%, not all applicants will qualify for the lowest rate. The rate will vary with the market based on the Prime Rate as published in the Wall Street Journal. We will use the most recent Index value as of the 1st day of the month preceding any APR Adjustment. The APR is subject to change on the first day of January, April, July and October. Maximum Rate 18.00%. To qualify for this product applicant must have or must set up direct deposit of at least $500 monthly, failure to set up direct deposit will result in a higher fixed rate of 15.99%.

*APR = Annual Percentage Rate 10/12/2022 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 $500 must be in place or established within 60 days of the LOC open date to qualify for this promotional Line of Credit.

**Minimum loan is $500, and the maximum loan is $5,000 and is a revolving line of credit. Additionally, Apple offers a $500 Guaranteed Line of Credit provided that the eligible applicant meets our minimum score requirement of 580.

1APR = 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.

Educator Line of Credit

Available to current or retired educators for classroom expenses, paying off debt or other unexpected expenses life brings.

Features

  • Borrow up to $5,000
  • 0% APR for the first 12 months*
  • Low monthly payments
  • $500 guaranteed**

APR1 as low as

6.25%


View All Rates

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.

Introductory rate 0% for the first 12 months. Rates after the 12 month introductory period are based on an evaluation of applicant credit at the time the line of credit was opened. Rates range from 3.25% to 10.25%, not all applicants will qualify for the lowest rate. The rate will vary with the market based on the Prime Rate as published in the Wall Street Journal. We will use the most recent Index value as of the 1st day of the month preceding any APR Adjustment. The APR is subject to change on the first day of January, April, July and October. Maximum Rate 18.00%. To qualify for this product applicant must have or must set up direct deposit of at least $500 monthly, failure to set up direct deposit will result in a higher fixed rate of 15.99%.

*APR = Annual Percentage Rate as of 10/12/2022 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 $500 must be in place or established within 60 days of the LOC open date to qualify for this promotional Line of Credit.

**Minimum loan is $500, and the maximum loan is $5,000 and is a revolving line of credit. Additionally, Apple offers a $500 Guaranteed Line of Credit provided that the eligible applicant meets our minimum score requirement of 580.

1APR = 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.

Approximate Payment Calculation Table

Product APR as low as* Conditions
Signature Loan 9.99% Up to $50,000
Signature Line of Credit 10.49% Up to $50,000; APR is Prime Rate** + 4.24 - 14.99%
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
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
First Responder Line of Credit 6.25% 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.
Educator Line of Credit 6.25% 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.

*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. Maximum Rate 18.00%.

More Helpful Resources

We REALLY Love our Members

We REALLY Love our Members

When you close on a qualifying loan, you'll be entered to win a Catered Private Dinner Party.*

See if You're Pre-Qualified

See if You're Pre-Qualified

No credit impact to check your rates for an Auto Loan, Credit Card or Personal Loan.

BALANCE

BALANCE

Access free financial education and confidential counseling to help reduce your debt, improve your money skills and more.

SavvyMoney

SavvyMoney

Enjoy a free and anonymous financial analysis to discover the action strategies to keep your finances moving forward.

Pay My Loan

Pay My Loan

We make it easy to make a payment on your loan.

Skip-a-Pay

Skip-a-Pay

Need some extra time? Select loans in good standing may qualify.

Calculators

Calculators

Calculate potential payments for your loan.

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