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Consumer Loans

Get off the high-interest wave with our low-interest personal loans.
Pay off debt, make large purchases, or take care of unexpected expenses. 


Personal Loan

Best Rate: 6.49% APR*

You have a wish list. We can make it happen! Whether you want to pay off credit cards, consolidate debt, or make a major purchase, a Personal Loan can provide you with the funding when you need it.

  • No prepayment penalties
  • Terms up to 60 months
  • Payment protection available
  • No collateral necessary


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1*APR = Annual Percentage Rate. Rates based on creditworthiness. Rates increases by 0.50% if direct deposit of $500 or more per month is not made into a First Atlantic deposit account. Loan amount based on creditworthiness.


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Personal Line of Credit

Best Rate: Prime plus 7%*

Tired of the dreaded overdraft? Stress less and enjoy more with a Personal Line of Credit. When you need added flexibility or access to additional funds, add this line to your checking account.

  • Flexible source of cash which you can withdraw when you need to
  • Borrow for ongoing or unforeseen expenses
  • As you pay off your credit line, those funds will become available for you to access without having to reapply
  • No collateral necessary
  • Overdraft protection available with a current checking or savings account


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1*APR = Annual Percentage Rate. Rates based on creditworthiness.


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Savings/Term Secured Loans

Best Rate: 2.80% APR*

Keep your savings and turn your dreams into reality with a Savings/Term Secured Loan. If you are a new member of the credit union or if you have a larger deposit amount, you can borrow against your savings to secure the funds you need.

  • Terms up to 60 months; term loans will balloon at certificate maturity
  • Payment protection is available
  • Rates are higher than a savings or certificate of deposit annual percentage yield (APY)1


Apply Now  View All Rates

*APR = Annual Percentage Rate. Rates based on creditworthiness.
1APY = Annual Percentage Yield. Rate is 2.75% above the savings or certificate of deposit annual percentage yield (APY).

Your Virtual Financial Coach, Lea, is available 24/7, and offers free advice that may help improve your credit score.

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