Personal Loans*LINE OF CREDITWith many of the same functions as a credit card, a line of credit features a pre-approved, open-end revolving loan available with a variable interest rate. Payment amounts are based on a five-year payoff and are calculated from the date of the last advance.

PERSONAL LOANThis is a loan established for a predetermined period of time with specific loan payments. The rate is fixed for the term of the loan and maximum term is 72 months.**

SHARE-SECURED LOANObtain a loan at an attractive rate using the funds in your Savings Account (excluding your IRA) as collateral.

SHARE CERTIFICATE LOANUse the money in your Share Certificate (excluding your IRA) as security. The rate is fixed for the term of the loan. The maximum term cannot exceed the certificate’s maturity date.
CONSOLIDATION LOANThis assists in consolidating external debts into one loan for a set term with specific loan payments.
*All loans subject to credit approval.
**Example: 72 monthly payments of $18.53 per $1,000 borrowed.
STUDENT LENDINGNavigating the in-school and out-of-school lending journey can be confusing and costly. If you’re looking for private lending options, we may have just what you need.
In-School Lending Option An Education Line of
Credit helps you manage tuition, books, board — all the expenses of secondary or private school, college and trade school.
Out-of-School Lending Option Refinance and Consolidation options help you combine your existing private and federal student loans after graduation into one manageable loan payment.

For more information, visit AACreditUnion.org/ student-lending.
Financial WellnessWe’re here to assist you on your journey toward financial freedom. Financial education has always been one of our staples, but our Financial Wellness program allows us to help our members in so many new ways, including:
• The Navigator* Our new web portal will serve as your online, interactive guide to help improve your personal financial knowledge and direct your financial path.
• Wellness Check-Up Enjoy the opportunity to meet with a Financial Wellness Coach/Advocate to help you maintain momentum and rise above credit issues.
• Credit Score Monitoring You'll enjoy free access to your credit report and your credit score, plus analysis and daily monitoring of key changes to your credit line.  
• Educational Seminars These complimentary events provide the information you need to make the difference between a good plan and a great plan.

To learn more, stop by a branch near you, visit us online at FinancialWellness. AACreditUnion.org or call us at (833) FIN WELL (833-346-9355).

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