Personal and Secured Loans
Find your perfect personal loan solution with a credit union that serves you first.
Personal Loans
Access this flexible option for any of life’s surprises or as a way to consolidate higher-interest debt.
FICO{{fico}} Score Range
APR{{all_personal_apr}}
FICO 720 and above
7.90%
FICO 680 to 719
9.90%
FICO 620 to 679
13.90%
FICO 619 or less
16.90%
Secured Loans
Build your credit using up to 90% of your Ownership/Savings Account balance, all for a low rate.
Term
APR{{all_personal_apr}}
Up to 72 months
Share Rate + 2.25%
73 to 96 months
Share Rate + 3.25%
97 to 120 months
Share Rate + 4.25%
Certificate Secured Loans
Borrow up to 90% of the principal against your F&A-held certificate.
Maximum loan
90% of CD Balance
Collateral requirement
Certificate
APR{{all_personal_apr}}
Certificate Rate + 2.00%
Due
At Certificate maturity
Calculate Your Savings
FAQs
What can personal loans be used for?
Personal loans can be used for almost any purpose, including debt consolidation, home improvements, major purchases, unexpected expenses, or special occasions.
How much can I borrow with a personal loan?
Loan amounts vary based on factors like your income and credit score. Our committed Member Contact Center can guide you to the best option for your personal situation.
Is there a prepayment penalty?
No, F&A Personal Loans do not have any prepayment penalties.
What's the difference between secured and unsecured personal loans?
Unsecured loans are based on your creditworthiness, while secured loans use collateral, like an F&A Savings Account or Certificate, to qualify you.
Accountability
Consistently delivering on our commitments.
At F&A, following through on promises with reliability and consistency isn't just good business — it's our standard operating procedure. We continuously measure our performance against the highest industry benchmarks to ensure we're delivering exceptional service. When we make a commitment to you, you can count on us to deliver.
