Loan Center


It’s easy to become a member of Alcoa Community Federal Credit Union.

If you live, work, worship or attend school in Saline County, you’re eligible. Once you join us, you can apply for a low-cost loan or line of credit for the things you need and things you want. There is no waiting period to apply.

Our loan decisions are fair and quick. Loan approval is based on your credit record, financial history and ability to repay. As a not-for-profit credit union, we often offer rates that beat commercial banks. And, for your peace of mind, we offer several products to protect yourself or your collateral such as Debt Protection insurance, GAP insurance, Mechanical Repair or extended warranty insurance. 

You may request a loan application in person, or: 


Blockbuster Summer Auto Loan Special

Get your ticket to the hottest auto loan rate of the summer at Alcoa Community FCU! We're offering you rates as low as 2.75%* with 90 days no payment! That's right. Take the summer off from loan payments with ACFCU. We make it easy to apply securely online anytime, anywhere. Don't miss out on this BLOCKBUSTER RATE of the year! Apply securely online today and starting saving money with 2.75%* and 90 days no payment!  For more information on our summer auto loan special, give us a call at 501.315.5626.

Auto Loan Special

*Annual Percentage Rate. Membership eligibility required. Your interest rate and term are determined by your credit qualifications. Offer applies to vehicles not already financed at ACFCU. ACFCU Auto Loans booked at the dealership are not eligible. Minimum to finance and take advantage of incentives is $10,000. Rates as low as 2.75% on new and used autos year models 2018 & 2019. Model year 2017 with 60,000 miles or less may qualify for 4.25% with no payments for 60 days. Financing up to 75 months. Rate is subject to change without notice. This offer may be withdrawn at any time. To qualify for lowest refinance rate, vehicles must have 15,000 or fewer miles.


MORTGAGE LOANS

All mortgages are not the same. When you're buying your first home, making your next move or refinancing the loan on your current home, Alcoa Community Federal Credit Union has the terms, features and options designed to make getting a mortgage easier. Whether you are looking for a fixed rate or an adjustable rate, an FHA loan, a VA loan, a conventional mortgage, or a USDA RHS (Rural Housing Service) loan, Alcoa Community FCU has you covered. Let us help you understand all the choices you have when it comes to a home mortgage.


HOME EQUITY LINE OF CREDIT (HELOC)

Alcoa Community Federal Credit Union’s Home Equity Line of Credit offers advantages that most other financial institutions can’t match. We allow you to borrow a higher percentage of your home’s value, plus our HELOC has a fixed interest rate. You can use your HELOC to finance large expenditures such as remodeling your kitchen or bathroom, paying for a wedding, college tuition and fees, medical expenses, costly vehicle repairs and so much more. With regular Home Equity loans, you pay interest on the full amount of the loan until it’s paid off. With HELOCs, you only pay interest on the amount you withdraw, and your interest may even be tax deductible. Consult your tax advisor. Our HELOC is available whenever you need it. Unlike a conventional home equity loan, there is no need to apply, wait for approval and pay processing fees each time a need arises. With a HELOC you only withdraw the amount you need when you need it.


ACFCU offers many types of loans that help our members with all their financing needs. They include:

AUTO LOANS

We make car and truck buying simple, with competitive rates and quick approvals. Whether you are purchasing from a dealer or from an individual seller, we can guide you through the process so you can get the wheels you want without delay.


AUTO LOAN REFINANCING

Do you feel like the interest rate or the payment amount on your current auto loan is too high? Let Alcoa Community FCU help. Our members with existing auto loans that were originated elsewhere frequently refinance these loans with ACFCU and lower their interest rates and/or their monthly payments.


FUN LOANS

Are you dreaming of a motorcycle or a boat? How about an RV, ATV or a personal watercraft? Alcoa Community Federal Credit Union can help by finding a Fun Loan that’s just right for you. No matter what you've had your eye on, our trusted staff will help you find a loan that meets your needs and your budget.


PERSONAL LOANS

ACFCU offers Personal Loans to help our members in many ways. Do you need to consolidate your high-interest debts into a single, predictable monthly payment? Do you have an unexpected home or car repair? Would you like to take a dream vacation, or even help pay for Christmas? If so, Alcoa Community Federal Credit Union can help with a low interest, unsecured Personal Loan. Our lending experts can help make your debts more manageable, save you money, and pay for those unexpected expected expenses.