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Wherever Life Takes You.

No matter your financial needs, we have the right loan for you.

Personal Loans

For the big and small things in life

When you’re ready to do something fun, or you need to get something important, our Personal Loans are a great solution.

Find the loan that’s right for you:

Line of Credit

Get a credit line up to $25,000 for any purpose, or use it as an overdraft source on your Checking Account. You only make payments on the portion you use.

Personal Loan

This low-cost loan is great for any purpose, and you get one lump sum you pay back within 60 months.

Our Line of Credit and Personal Loan include:

  • Loan amounts from $500 to $25,000
  • Low rate
  • No collateral needed
  • Flexibility to use anyway you like
Savings Secured Loans

This is a great way to establish credit. Borrow up to 100% of your savings while you continue to earn dividends. Repay the loan at just 3.50% plus your savings rate. Loan amounts up to $5,000.

Certificate Secured Loans

If you need to borrow money and have a Share Certificate of Deposit with us, you can borrow up to 90% of your Certificate funds. Your fixed rate is just 3.50% plus the Certificate rate. This way, you can get the money you need, maintain your Certificate, and continue to earn dividends. It's a great way to avoid penalties for withdrawing Certificate funds before the maturity date.  Loan amounts up to $5,000.

Apply Today

Loan Comparison Chart   Effective as of 4/1/18

Unsecured Personal Loans
APR* as low as

Personal Loan-Fixed Rate


Line of Credit-Variable Rate


Savings Secured Personal Loans*

Savings Secured

Savings Rate + 3.50%

Certificate Secured

Certificate Rate + 3.50%

* Share Secured Loans have a maximum loan amount of $5,000 per member; and a maximum loan amount of $1,500 for memberships 12 month or newer.

Loans Tools and Planning Calculators

Need Help With Your Personal Loan?

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A membership account can be opened to receive these and other services. A one-time $5 individual membership fee may apply to become a member of American First Credit Union. Membership is open to individuals who live, work, worship or attend school in Orange County or in the 16 qualified cities in southern California, work at an affinity group, or are members of the Children’s Museum of La Habra. Each family member is eligible to open an individual membership account.

• APR (Annual Percentage Rate) subject to change. Rate shown includes 0.50% discount for automatic payments from an AFCU account.
• Rate may vary with amount financed, term of loan, down payment, payment method, and individual's credit profile.
• Please refer to service pricing sheet for details.
• Share Secured Loans have a maximum loan amount of $5,000 per member; and a maximum loan amount of $1,500 for memberships 12 month or newer.
• Rates subject to change without notice.