Online Banking

log in | sign up

Loans Rates


You can apply for a new loan online here.  You can calculate your loan payment here.


Check out our great loan rates:

Type Low Interest Rate High Interest Rate
Auto Loan 1.99% APR 15.99% APR
Personal Loan 5.00% APR 18.00% APR

Insurance the credit union way. Life insurance, auto insurance, property insurance, health insurance, and more. Protection for what matters most starts here. Visit TruStage Insurance


drive into the sunset in your new ride - let's go


And here are the type of loans we have to offer:

Loan Type Additional Information
Home Mortgages

Learn about our home mortgage offerings and apply online at AmeriCU Mortgage.

Home Equity Line of Credit (HELOC) Home Equity Line of Credit (HELOC) Loans are now available through our partnership with Forterra.  If you need financing for home improvements, school tuition, debt consolidation, or any other reason, our home equity loans may be right for you.
Vehicle Loan - New On approved new vehicle loans, the credit union will loan up to 100% of the MSRP sticker price plus sales tax with approved credit.
Vehicle Loan - Used On approved loans, the Black Book Used Car Guide will be used to determine the amount financed. The maximum amount financed cannot exceed the listed retail value.
Motorcycle Loans - New & Used The same guidelines utilized for new and used vehicle loans are applicable on approved new and used motorcycle loans.
Boat Loans - New & Used On approved boat loans the same policy for new and used vehicles is applicable.
Signature Loans The maximum approved Signature (unsecured) Loan for any member is based on the member's credit history and credit score.
Credit Builder Loans A loan program for members with limited, blemished or no credit. Personal credit scores can be repaired and increased.  If $1,500.00 is borrowed and repaid at $85.00 biweekly, the repayment period would be approximately 10 months.
Student Loans See below for more information

For all vehicle, motorcycle, and boat loans, the approved price includes tax, title, GAP and other insurance, or any other after-market product.




For borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or apply, please get started here.


The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fee and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.


Equal Housing Lender


APR is annual percentage rate.  An annual percentage rate (APR) is the annual rate charged for borrowing or earned through an investment, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.  (

©2020 Kennedy VA Employees FCU