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Deposit Rates*
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Loan Rates*
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5-Year ARM / APR
Visa® Credit Card APR

Personal Lending


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).


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View our Personal Lending rates


Share Secured Installment
  • Fixed-rate installment loan
  • Share account funds serve as collateral
  • Maximum term of 48 months2
  • Maximum loan amount equal to value of shares

Share Secured Term Note
  • Fixed-rate single payment loan
  • Share account funds serve as collateral
  • Maximum term of 6 months3
  • Maximum loan amount equal to value of shares

Share Term Certificate (STC) Term Note
  • Fixed-rate single payment loan
  • STC funds on deposit serve as collateral
  • Maximum term limited to remaining term of collateral STC4
  • Rate is 2% above STC rate, rounded to nearest ¼%

Open-End Signature
  • Variable-rate open-end loan5
  • Maximum loan amount is $7,500 per individual,6 $15,000 joint7
  • Unlimited subsequent advances up the amount of credit limit8
  • Can serve as a protecting account for your NCPAFCU Checking account through the Overdraft Transfer Service

Closed-End Signature
  • Variable-rate signature installment loan
  • Maximum loan amount is $7,500 per individual,2 $15,000 joint3
  • Maximum term of 60 months9



Credit Insurance
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.

Learn More About Credit Insurance


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 $115 for $5,000 borrowed at 4.75%.
3Payment example: One payment of $1,019.72 for $1,000 borrowed at 4.00%.
4Payment example: One payment of $1,025 for $1,000 borrowed at 2.50% for one year.
5The APR is calculated by adding the index rate to the loan margin. The index is the 26-week Treasury Bill rate set on or after the 15th day of the second month of the previous calendar quarter adjusted up to the nearest 0.25%. The loan margin is 4.00%. The index rate for this product cannot be less than 6.75%.
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.
8Requests to increase in your credit limit are subject to additional underwriting and credit approval.
9Payment example: 60 monthly payments of $433 for $20,000 borrowed at 10.75%.