Simplicity in Lending
Open to All of Colorado
We may not always have the lowest rate, but we will always be exceptionally close. More importantly, we are far more flexible than other places with terms, payments and use few restrictions. Â
Title loans are a way towards inexpensive borrowing— you are basically getting a low-rate auto loan. Don't use a non-credit union lender that offers outrageous rates and shady terms. To us, this is simply an auto loan with a low, secured rate.
With a secured loan, you basically just borrow against either a CD or savings account you have here at ACU. As such, they are fantastically easy to get and provide a very inexpensive loan. They will also build credit as you pay the loan off.
A Bridge Loan is an unsecured personal loan meant to help you get past an expensive time, usually the holiday season. These loans are a special rate at nearly half of the normal unsecured rate and give you a year to pay them off. It's also a great option for emergencies.
Personal loans are meant to cover the widest range of uses. While we recommend a secured loan wherever possible, these can be used when nothing is available. You will pay a higher rate, but ACU will back you with service and flexibility wherever we can.
Overdraft accounts are the simplest way to ensure that you never pay an overdraft fee again, and unlike other places, this is dollar for dollar coverage. Overdraft accounts function as a short-term loan, to cover the amount that your account would be overdrafted by, however, we don't charge any additional interest for this service. Protection you need, without paying for anything extra that you don't! It's that simple.
Forms, Important Information, and More
Please note that an overdraft loan product is different than courtesy pay and provides a number of advantages. However, it is subject to approval. Loan limitations and restrictions may apply.
Easily one of the most underrated products, a secured credit card carries all of the benefits of a standard credit card. Basically, we secure the limit against a savings account here at the credit union (usually $300-$1000) and issue you a card. This card builds credit for students and those needing to repair their credit from past problems. There's almost nothing to worry about as far as fees go and you don't pay interest if you pay the balance off in full each month.
Forms, Important Information and More
Disclaimers
What you pay may vary based on credit, but we will always make sure you get the best loan we can offer. Rates and terms are subject to change without notice. Approval is required. All rates shown are in APR (Annual Percentage Rate). Payment example: $15,000 at 12.9%APR for 60 months means you will pay just about $340.52. You do have to become a member. "APR"=Annual Percentage Rate.
