Loan Services: Consumer Loans
Loan Services :: Auto Loan Center :: Consumer Loans :: VISA Credit Cards :: Home Equity Loans :: Mortgages :: Student Loans
Smart borrowing can help you save money and time. That's why Emory ACU offers you a wide selection of consumer loans at competitive loan rates and terms. Our professional Loan Officers can help you select a loan program that best meets your financial needs. There is a $25 Application Fee.
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Personal Loan
- Requires no collateral, just your own good financial standing
- Often used for debt consolidation, home improvements, vacations, or almost any purpose
- Loan amounts available from $250 up to $10,000, for qualified borrowers
- Payments can be made through payroll deduction, automatic transfer or coupons
- Flexible terms
- Low, fixed Annual Percentage Rate
Member Express
- Member Express provides you with immediate cash for emergencies, short-term needs, and to replace payroll advances.
- Minimal credit requirements.
- Loan amounts available up to $750.
- Payments can be made through payroll deduction, ACH transfer or direct deposit.
- Certain restrictions apply.
- Fixed, Annual Percentage Rate
Computer Loan
- Finance up to 100% of the cost of a new computer, including printers.
- Loan amounts available from $250 up to $5,000, for qualified borrowers
- Payments can be made through payroll deduction, automatic transfer or coupons
- Flexible terms
- Low, fixed Annual Percentage Rate
Share / Certificate Secured Loan
- Finance up to 100% of available balance in share savings or certificate balance.
- Members may structure the loan terms and repayment to meet their current needs.
- The rate for a certificate secured loan is determined as 3% above Annual Percentage Rate* earned on the share certificate being pledged. Terms for all certificate secured loans must match certificate term.
*Currently the rate is 5.50% APR as of 1/29/2009. Contact the Credit Union for current rates.
Lines of Credit
Need to finance that dream vacation, remodel your home, pay tuition or consolidate other debt? Consider one of Emory FCU's line of credit. No matter which one you choose, you'll get convenient access to funds and competitive rates.
Prime Plus Account
- Credit lines range from $1,000 up to $10,000.
- Competitive, variable interest rate tied to the Prime rate plus an index.
- Features pre-printed checks, which make accessing your line of credit easy.
- There's no pre-payment penalty and flexible monthly and bi-weekly payments.
- As a simple interest loan, you pay interest only on the outstanding balance.
- Payments can be made through payroll deduction, automatic transfer or coupons
Emoryline of Credit (Overdraft Protection)
- Credit lines range from $1,000 up to $10,000.
- Student Emoryline $300 (See Student Loans)
- This credit line is primarily linked to your checking as overdraft protection. This provides added protection to your checking account for any unexpected situations.
- Advances may be made for a variety of purposes such as taxes, autos, furniture, home improvement, etc., and can be accessed either by visiting the Credit Union and requesting an advance, using Audio Xpress or Personal Branch (Online Banking) to transfer the funds or simply writing a check from your checking account.
- Payments can be made through payroll deduction, automatic transfers or coupons
