Personal Signature Loans

Andrews Federal Personal Loans are up to 28% lower* than the national average.

Our personal loans offer you the unique opportunity to borrow and save at the same time. With rates lower than the national average, and that of most credit cards, borrow the money you need for whatever you need it for. Your next vacation, tuition payment or finished project is just a few clicks away.

  • Rates as low as 6.99% APR
  • Loan amounts up to $50,000
  • Fixed, affordable payments 
  • Flexible terms up to 84 months

Table data for Personal Loan Rates
 Rates effective 09-18-2018
Unsecured, Bill Consolidation, Signature1 APR as low as2 Payment Per
$1,000 Borrowed
Alert Me
36 months 6.99% $30.88 Apply Receive a notification when this rate changes
48 months 7.39% $24.14 Apply Receive a notification when this rate changes
60 months 8.99% $20.77 Apply Receive a notification when this rate changes
72 months 9.49% $18.28 Apply Receive a notification when this rate changes
84 months 9.99% $16.61 Apply Receive a notification when this rate changes
Late loan payments (10 days after due date) are subject to fee of 5% of payment or $25.00, whichever is greater.
  • 1Minimum loan amount of $1000. Maximum loan amount of $50,000. For loan amounts less than $5000, there is a 48 month maximum term. Personal loan terms greater than 60 months requires a minimum loan amount of $10,000.
  • 2APRs (Annual Percentage Rate) listed are the lowest available rates. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. Payments per $1000 examples are based on a sample loan balance of $10,000 at the rate and term shown. Existing Andrews Federal personal loans cannot be refinanced at the rates and terms shown unless you are financing an additional amount of $1000 or more plus the existing loan balance.

Our Overdraft Line of Credit provides with peace of mind, covering those unexpected expenses for when life doesn’t go the way we planned.  The line is paired with your Andrews checking account and will automatically transfer available funds whenever your balance isn’t sufficient to pay incoming checks, ACH, debit card transactions, etc.  For more information about all of our Overdraft Protection options, visit our Overdraft Protection page.

  • Lines available up to $10,000
  • Low, variable rate payments
  • Automatic overdraft coverage for your checking account

Credit Limit APR as low as Alert Me
$10,0001 15.75% (Variable)2 Apply Receive a notification when this rate changes
  • 1Minimum line amount for Overdraft Line of Credit is $1000. Minimum line amount for Premier Line of Credit is $5000.
  • 2APR (Annual Percentage Rate) is variable and based on the Wall Street Journal Prime Rate plus a margin, adjusted quarterly. The rate margin for the Overdraft Line of Credit is Prime plus 10.75%. The rate margin for the Premier Line of Credit is Prime plus 6.75%. Maximum APR is 18.00% for both the Overdraft and Premier Lines of Credit. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Additional restrictions may apply. Rates and APRs are subject to change without notice.

If you're looking for a flexible source of funds to consolidate some bills, pay for unforeseen car repairs, or jump on that amazing vacation opportunity that just popped up, look no further than our Premier Line of Credit.  With lines available up to $50,000 and convenient access to available funds, you’ll have the money to pay for all the unexpected surprises that life throws your way.

  • Lines available up to $50,000
  • Low, variable rate payments
  • Convenient access – online, by phone, by check or in person at any branch

Table data for Premier Line of Credit
 
Credit Limit APR as low as Alert Me
$50,0001 11.50% (Variable)2 Apply Receive a notification when this rate changes
  • 1Minimum line amount for Overdraft Line of Credit is $1000. Minimum line amount for Premier Line of Credit is $5000.
  • 2APR (Annual Percentage Rate) is variable and based on the Wall Street Journal Prime Rate plus a margin, adjusted quarterly. The rate margin for the Overdraft Line of Credit is Prime plus 10.75%. The rate margin for the Premier Line of Credit is Prime plus 6.75%. Maximum APR is 18.00% for both the Overdraft and Premier Lines of Credit. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Additional restrictions may apply. Rates and APRs are subject to change without notice.

This loan type is totally secured by cash deposited in your Andrews Federal Credit Union savings account.

  • Minimum Loan Amount- $1000
  • Maximum Loan Amount- $100,000
  • Maximum Repayment Term -144 months; however minimum monthly payment is $30.00
  • Maximum Loan-to-Value- 100%

It is a variable rate, and 3% above the dividend rate of the share savings account. 

Share secured loans are collateralized by your share savings or share certificate account; maximum loan amount may not exceed the related share or share certificate balance.  APR is variable and adjusts whenever your share savings dividend rate changes; a fixed rate margin of 3.00% is added to your share savings or share certificate dividend rate to determine the interest rate of your loan.  Additional restrictions may apply. Subject to approval.   Existing Andrews Federal secured loans cannot be refinanced at the rates and terms shown unless you are financing an additional amount of $500 or more plus the existing loan balance.