ACBA Federal Credit Union

Dedicated to those who serve. A financial institution for state, county, and municipal employees.
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Due to the current high volume of submissions, our application processing is experiencing delays. Please know we review all applications in the order they were received, and we will contact you directly once your review is complete. We appreciate your patience during this busy period.

Loans

We offer traditional, non-traditional, specialty, and automobile loans.
Traditional Multi-year LoansLoans terms are from 1-5 years. Eligibility and interest depend on the credit score/history.

Multi-Year Loan Limits for New Members

FICO Score
Interest Rate
Term Limit
Loan Limit
550-599
13.75% PRD 15.75% CASH (Eligible with up to 3 impediments)
Up to 2 Years
$3,000 45.5% Debt Ratio
600-649
12.75% PRD/ACH 14.75% CASH (Eligible with up to 4 impediments)
Up to 3 years
$5,00045.5% Debt Ratio
650-699
10.75% PRD/ACH 12.75% CASH (Eligible with up to 4 impediments)
Up to 4 years
$8,00045.5% Debt Ratio
700-749
7.96% PRD/ACH 9.95% CASH (Eligible with up to 4 impediments
Up to 4 years
$10,00045.5% Debt Ratio
750+
6.95% PRD/ACH 8.00% CASH (Eligible with up to 4 impediments)
Up to 5 years
$12,00045.5% Debt Ratio

Multi-year loan listing for members in good paying standing

FICO Score
Interest Rate
Term Limit
Loan Limit
550-599
13.75% PRD/ACH 15.75% CASH (Eligible with up to 3 impediments)
Up to 2 years
$5,000 45.5% Debt Ratio
600-649
12.75% PRD/ACH 14.75% CASH (Eligible with up to 4 impediments)
Up to 3 years
$8,000 45.5% Debt Ratio
650-699
10.75% PRD/ACH 12.75% CASH (Eligible with up to 4 impediments)
Up to 4 years
$10,00045.5% Debt Ratio
700-749
7.95% PRD/ACH 9.95% CASH (Eligible with up to 4 impediments)
Up to 4 years
$12,00045.5% Debt Ratio
750+
6.95% PRD/ACH 8.00% CASH (Eligible with up to 4 impediments)
Up to 5 years
$15,00045.5% Debt Ratio
Non-Traditional
Automobile
Extraordinary Circumstance Loans
Secured loans - Amount is based on the amount the member has in their credit union shares account.
At ACBA, we believe good credit should be rewarded. That’s why we offer our members with strong credit scores attractive auto loans with great rates.
We understand that unforeseen challenges can arise. Our team is committed to assisting members through extraordinary circumstances by providing tailored lending solutions to help meet their needs.Members facing hardship can receive up to $1,500 if they are approved.
Online Rapid Application
Download our loan application form by clicking on the form below. Once you have completed the form, upload it securely using the 'Upload Loan Form' button.
Step 1 : Click the Loan Application below to download it instantly
Step 2: Click the "Upload Loan Form" button below to submit your completed form.
Note: By uploading this loan application form, you agree to the following. I certify that all information provided in this loan application is accurate to the best of my knowledge.
I authorize the credit union to obtain any necessary reports in connection with this application.
I understand that opting for payments through payroll deduction or ACH has increased the amount I was eligible to borrow. I agree to honor the repayment terms as agreed for the full duration of the loan.
To verify your income, please upload your latest pay stubs or other relevant income statements (e.g., Social Security or pension) along with your loan application.
Upload Loan Form