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Establishing a line of credit is like having a pre-approved loan waiting for you whenever you need it. Only pay interest on what is used, when you use it. And get the dedicated service of your Christian credit union — with the interest you pay being reinvested right back into your community.

  • Low rates and only pay interest on what you use
  • Use funds as you need them and for any purpose
  • Access without re-applying
  • Easy access online and by phone
  • Setup payments on Auto-Pay
  • Loan Protection Services available

Personal Loans

Loan Type Loan Term Rate (APR as low as)
Signature Loan 12 Months* 6.99%
Signature Loan1 Up to 36 Months 7.50% - 16.25%
Signature Loan1 37 - 60 Months 7.99% - 16.75%
G.O.O.D. (Get Out Of Debt) Loan2 Up to 36 Months 6.99%
Overdraft / Line of Credit3 N/A 9.00% - 17.50%
Pay Day Alternative Loan4 Up to 6 months  18.00% - 28.00%

1 Signature Loan APR = Annual Percentage Rate and is accurate as of 06/01/2019. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the monthly payment will be $208.00.

* Signature loan at 12 months has a maximum loan amount of $5,000.00.

2 G.O.O.D. (Get Out Of Debt) Loan APR = Annual Percentage Rate and is accurate as of 06/01/2019. Loans subject to credit approval. Not all applicants will qualify for the best rate. Rates, terms and conditions are subject to change without notice. $25 loan processing fee. Must qualify for membership. Sample payment: For a $10,000 GOOD loan with a 36-month term at 6.99% APR, the monthly payment will be $304.17. Maximum loan amount is $10,000. Shorter terms available. Not available on current ACCU loans.

3 Overdraft/Line of Credit APR = Annual Percentage Rate. APR is accurate as of 04/01/2019. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the monthly payment will be $208.00. 

4 Pay Day Alternative Loan Not all applicants will qualify. Loan funding fee of $30. Limit one (1) loan per member at a time. Must provide one (1) current paycheck stub to verify employment. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. For a $500 PAL with a 6-month term at 28% APR, the approximate monthly payment will be $91.00.

Must qualify for membership. A $2 membership fee may apply. Savings or Checking Account is required to fund the account. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details. Equal Housing Opportunity.

Personal Loans

Personal Loan Forms

  • Loan Application ( Print )
  • Home Equity Line of Credit (HELOC) Application ( Print )
  • Auto Pay Debit Authorization Form ( e-Sign I Print )
  • CA DMV Power of Attorney ( Print )
  • Skip-A-Payment ( e-Sign I Print )

Member Relations

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800.343.6328 Option #6

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