Personal Loans
From dream projects to unexpected expenses, get the personal financing that fits your life.
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Flexible financing for every situation with exceptionally low rates and personalized member service.
With exceptional interest rates and funding up to $25,000, F&A’s Personal Loans give you the flexibility and security you need for the expected — or unexpected — in your life, whether it’s sudden auto repairs, planned vacations, or other major expenses. No matter what, we're here to help you move forward.
At a glance
- Low, exceptional rates
- Terms up to 60 months
- No origination fee
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Loan details
- 0.50% rate reduction for payments made by automatic transfer or payroll deduction{{all_personal_apr}}
- No prepayment penalty
- No collateral required
- Funds can be deposited directly into your F&A account
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%
Maximum term
Up to 60 months
Minimum loan amount
$500.00
Maximum loan amount
$25,000.00
Prepayment penalty
$0.00
Calculate Your Payment
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.
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Holiday Savings
Save money throughout the year{{holiday_savings}} for gifts, vacations, taxes, or other expenses.
APY{{apy}} as high as
0.50%
Dividend rate{{dividend}} as high as
0.25%
Minimum to earn
$25.00
Minimum to open
$25.00
Monthly fee
$0.00
Auto Loans
Finance a new or used car or truck up to 125% loan to value with a low-interest F&A auto loan.
APR{{auto_apr}} as low as
4.25%
Maximum term
84 mo.
Maximum loan
$150,000.00
Maximum vehicle age{{auto_max_age}}
12 years
Premier Low Rate Visa
Save more with our market-leading low rates — an excellent card for anyone who often carries a balance.
APR{{cc_apr}} for purchases
6.90% to 14.50%
APR for balance transfers
6.90% to 14.50%
APR for cash advances
6.90% to 14.50%
Annual fee
$0.00
Credit line
$5,000.00 to $25,000.00