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Personal Loans

A personal loan can be a great way to consolidate debt or finance unexpected expenses.

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Loans to fit your lifestyle

NCPAFCU has a variety of personal loans to help meet your needs. Apply online through Press Pass, by calling Member Services Support at (888) 732-8562, or by visiting your local branch.1

Closed-End Signature

  • Fixed-rate signature installment loan2
  • Maximum loan amount is $7,500 per individual,3 $15,000 joint4
Apply now

Open-End Signature

  • Variable-rate open-end loan5
  • Maximum loan amount is $7,500 per individual,3 $15,000 joint4
  • Unlimited subsequent advances up to the amount of credit limit6,7
  • Can serve as a protecting account for your NCPAFCU Checking Account through the Overdraft Transfer Service
Apply now

Share Secured Installment

  • Fixed-rate installment loan
  • Share Account funds serve as collateral
  • Maximum term of 48 months8
  • Maximum loan amount equal to value of shares
Apply now

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 STC9
  • Rate is 2% above STC rate, rounded to nearest ¼%
Apply now

Share Secured Term Note

  • Fixed-rate single payment loan
  • Share Account funds serve as collateral
  • Maximum term of 6 months10
  • Maximum loan amount equal to value of shares
Apply now

  1. Lending is limited to members who are 18 years of age or older and residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia. All loans subject to Credit Union underwriting standards. Terms and conditions apply.
  2. Payment example: 48 monthly payments of $193 for $7,500 borrowed at 10.75%.
  3. Each 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.
  4. Maximum 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.
  5. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Rates are subject to change prior to the completion of the loan. Your actual APR will be determined at the time of disbursement and may vary based on credit score, collateral, and loan terms. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically. The variable APR is calculated by adding the index rate to a loan margin between 4.50% and 7.50% 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 APR will not exceed the maximum permitted by applicable law.
  6. Open-End Signature loans originated after 10/31/2023 have a 10-year draw period. The length of the repayment period is indefinite.
  7. Requests to increase your credit limit are subject to additional underwriting and credit approval.
  8. Payment example: 48 monthly payments of $112 for $5,000 borrowed at 3.50%.
  9. Payment example: One payment of $1,055.02 for $1,000 borrowed at 5.50% for one year.
  10. Payment example: One payment of $1,019.72 for $1,000 borrowed at 4.00%.