A personal loan can be a great way to consolidate debt or finance expenses. NCPAFCU has a variety of personal loans to meet your needs. Apply online through Press Pass, by calling Member Services at (888) 732-8562 or by visiting your local branch.1
Note: Member Services offers Lending Services from 8:00 am – 9:00 pm (Eastern).
Maximum loan amount is $7,500 per individual,6 $15,000 joint7
Maximum term of 72 months10
Credit insurance can protect your finances when unforeseen events occur. Our low-cost credit insurance options can help make your monthly loan payments should you become disabled or pay toward your outstanding loan balance in the event of your death.
1Lending is limited to members who are 18 years of age or older and residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia. 2Payment example: 48 monthly payments of $112 for $5,000 borrowed at 3.50%. 3Payment example: One payment of $1,019.72 for $1,000 borrowed at 4.00%. 4Payment example: One payment of $1,055.02 for $1,000 borrowed at 5.50% for one year. 5The variable APR is calculated by adding the index rate to a loan margin between 4.50% and 9.50% based on credit worthiness at account opening. The index is the U.S. Prime Rate as published in the The Wall Street Journal and is subject to change quarterly. The index rate for this product cannot be less than 3.25%. The APR will not exceed the maximum permitted by applicable law. 6Each member has a maximum cumulative signature borrowing limit of $7,500. If the borrower holds existing signature loan debt with NCPAFCU, the maximum loan amount allowed will be less the existing debt held. 7Maximum joint loan amount is limited to the aggregate of each individual’s cumulative signature borrowing limit. If a borrower holds existing signature loan debt with NCPAFCU, the maximum loan amount will be less the existing debt held. 8Open-End Signature loans originated after 10/31/2023 have a 10-year draw period. The length of the repayment period is indefinite. 9Requests to increase your credit limit are subject to additional underwriting and credit approval. 10Payment example: 72 monthly payments of $142 for $7,500 borrowed at 10.75%.
*Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors.
North Carolina Press Association Federal Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.
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