Personal Loans

We offer unique loan products to fit your lifestyle.

Personal Loans

We offer unique loan products to fit your lifestyle.
Sometimes you just need a little extra money. We've been there - that's why we offer an array of small personal loans. Whether you're starting school, consolidating debt or you just have an unexpected expense--our low personal loan rates allow you to get the money you need.

Personal Lines of Credit


A True Line of Credit (TLC) is perfect for emergencies and unexpected expenses. This option works like a credit card; you have the money available as needed, but you’re only charged interest on the amount you borrow. You can also link a TLC to your Advancial checking account for overdraft protection so that you can have peace of mind knowing you will avoid NSF fees.

  • Convenient fund access through cuAnywhere® Online Banking, Automated Teller Audio Response System and our Member Service Center 
  • Simple online application process
  • Only apply once, but access your money several times

personal line of credit raft

Signature Loans


sign with pen on signature loan


Our signature loan is perfect for debt consolidation, taxes, large purchase or other expenses. If you need cash with no collateral required, a signature loan could be right for you.

  • 24-hour online application
  • Quick and easy application process
  • Fixed interest rates and fixed monthly payments
  • Can be used for almost any financial need

Savings/Savings Certificate Secured Loan


A savings secured loan allows you to borrow money and build your credit without an extensive credit history. This cost-effective option allows you to borrow against funds in your Advancial savings account or savings certificate, while still earning dividends on your deposits. The funds in your savings or savings certificate are frozen and will be released once you pay off your loan.

To apply visit your local branch or call 800.322.2709.


Savings Certificate Secured Loan Piggy Bank

Stock Secured Loan

stock secured loan


Use your original stock certificate as collateral for an Advancial stock secured loan. Borrow up to 75% of the current value of any stocks traded on the New York Stock Exchange.

To apply visit your local branch or call 800.322.2709.

Student Loans


Our student loans are a great way to fund college tuition for you or your child. Full-time students attending an accredited university or college are eligible to apply for this loan program.

 

student loans

Advancial Assistance Loan




We know the insurance claim process may take a long time - and sometimes it just isn’t enough. If you’re in need of some extra help at a low rate, our Advancial Assistance Loan may be a good choice for you.


Features include:

  • Unsecured loan with a $20,000 maximum
  • Competitive rates
  • Unsecured - no collateral required
  • Term up to 84 months with a 90-day first payment deferment
  • Proof of loss is needed either by FEMA application, insurance claim, pictures of home, contractor’s bid or purchase bid for preventive work.

Get the Latest News

Estate Planning

A Checklist for an Organized Estate

Estate planning is a must these days – and it’s the smart thing to do to protect your assets and ease an already difficult time for your loved ones. But starting the process and executing it effectively can be a challenge. Making plans for distributing your money, home and other assets after you’re gone may be uncomfortable, but it’s important to address the topic so you and your loved ones are prepared.
Use this checklist to help you identify important documents and decisions for an organized estate...
Continue to Article
article preview image

How to incorporate financial education into your wellness program

When it comes to Workplace Financial Wellness, one of the first questions asked by Benefits Administrators is, “How do I incorporate this type of benefit into my overall wellness plan?”
Many HR and benefits practitioners struggle with this dilemma and rightfully so. If you ask even the most seasoned financial experts, they’ll agree - there isn’t just one strategy for incorporating financial education. However, there are best practices and crucial steps for setting yourself up for success.
Continue to Article
article preview image

More Than Your Average Checking Account

The average adult has used the same checking account for over 14 years. That’s good news if people are happy with their accounts. But the fact is that many people are losing money thanks to fees and other charges. In fact, the average checking account holder pays $7.69 in fees per month.1 If you’re also paying fees on your checking account, know that there are other options out there, including at Advancial.

Continue to Article
Leaving Advancial.org
You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
Equal Housing
We do business in accordance with the Federal Housing Law and the Equal Opportunity Act.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
NCUA
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government.

Leaving Advancial.org. You are leaving www.advancial.org and entering a site that is not operated by Advancial Federal Credit Union. Advancial does not provide and is not responsible for the product, service, overall website content, security or privacy policies on any external third-party site.
Continue
My Loan Applications
You are leaving www.advancial.org and entering the Loan Applications site.
Continue