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When you want to consolidate bills, make a large one-time purchase, or if you need extra funds for any situation, we're there for you with an unsecured Personal Signature Loan. No questions asked. No collateral necessary. A great alternative to revolving high-interest credit cards. Your signature, your good credit, your word is all we need. One of the many advantages of Credit Union membership.

• Loan amounts up to $15,000.
• Up to 5 years to repay.
• Free automatic payment transfer from your ASFCU Checking or Savings account.
• Attractive fixed interest rates

Current members can apply for a Personal Signature Loan online. Just log on to your account and click 'Loan Options' to complete a secure online loan application.

You can also print a Loan Application and return it to us by mail, fax or in person.

Be prepared and rest assured.

We understand that no matter how careful you are with your finances, sometimes things just happen. Maybe you thought a check you wrote had already cleared or maybe your deposit didn’t go in when you thought. Instead of returning items unpaid, Overdraft Protection automatically transfers available funds from your Line of Credit to your AFTRA-SAG Checking Account to cover insufficient funds. And as long as you stay within the limit of your Overdraft Protection Line of Credit, all overdrafts will be paid automatically.

Here’s how it works

• You select the credit limit you are most comfortable with: either $1,000 or $3,000 
• Automatic transfers will be made from the line of credit to your checking account in exactly the amount necessary to cover the overdraft 
• Low Fixed Rate of 7.90% APR  
• You will not be charged a NSF Fee or Courtesy Overdraft Protection fee 
• No cost to keep the Line of Credit open if you don't use it 
• If available funds in your Line of Credit are not sufficient, we will look to your Savings Account for the dollar amount necessary to cover the overdraft

The Overdraft Protection Line of Credit is a revolving line of credit that you can pay back all at once or, if you choose, by making minimum monthly payments due on the 15th of each month. You can also elect to have the minimum monthly payment automatically transferred from either your AFTRA-SAG Checking or Savings account on the payment due date. There is no cost if you do not use the Line of Credit but, in the event you do need it, the added protection from having an overdrawn account and additional fees for non-sufficient funds makes it well worthwhile. 

Overdraft Protection Line of Credit is not available to Money Market Accounts, Health Savings Accounts, Young Performer Accounts, Teen Access Accounts or Business Accounts.

It’s never too late to build or repair your credit.

If you’re looking to establish credit or rebuild damaged credit, a Share-Secured Loan gives you the help you need with competitive rates.

Share-Secured

• Borrow up to 90% of your available Share Savings account balance
• Minimum payment is $25
• Terms up to 72 months

Share Certificate-Secured

• Borrow up to 90% of your Share Certificate balance if your certificate term is two years or less
• Borrow up to 85% of your Share Certificate balance if your certificate term is longer than two years
• Minimum payment is $25
• Terms up to 60 months but not to exceed the certificate maturity date

Current members can apply for a Share-Secured Loan online. Just log on to your account and click 'Loan Options' to complete a secure online loan application.

You can also print a Loan Application and return it to us by mail, fax or in person.

Looking for help to understand the wise use of credit or locate a caring, certified counselor?
DebtAdvice.org is a service provided by the members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit Counseling Service (CCCS).