Loan Center

Alcoa Community FCU’s Loan Center

At Alcoa Community FCU, we are committed to providing our members with the best loans and services. Our loan center has a variety of loan offerings, from auto loans and mortgage loans to fun and personal loans; at Alcoa Community FCU, we have it all! Our loan offerings at our loan center come at low-interest rates and flexible terms to fit your needs, whatever they may be!

Alcoa Community FCU is a not-for-profit financial institution owned by our members. As a member-owned credit union, we strive to offer our members the best rates and products possible! When you join Alcoa Community FCU, you aren’t just a customer; you are a valued member and part-owner of the cooperative!

Auto Loans

At Alcoa Community FCU, we make car and truck buying simple by offering auto loans at our loan center! We offer our members competitive rates and quick approvals. Whether you are purchasing from a dealer or from an individual seller, we can guide you through the process so you can get the wheels you want without delay.

Auto Loan Refinancing

Along with auto loans, our loan center also offers auto loan refinancing for those of you interested in getting a better rate on your existing auto loan! Our members with existing auto loans that originated elsewhere frequently refinance these loans with ACFCU and lower their interest rates and/or their monthly payments.

Fun Loans

Are you dreaming of a motorcycle or a boat? How about an RV, ATV, or a personal watercraft? Alcoa Community Federal Credit Union can help by finding a Fun Loan that’s just right for you. No matter what you've had your eye on, our trusted staff will help you find a loan that meets your needs and your budget.

Personal Loans

ACFCU offers Personal Loans to help our members in many ways. Do you need to consolidate your high-interest debts into a single, predictable monthly payment? Do you have an unexpected home or car repair? Would you like to take a dream vacation, or even help pay for Christmas? If so, Alcoa Community Federal Credit Union can help with a low-interest, unsecured Personal Loan. Our lending experts can help make your debts more manageable, save you money, and pay for those unexpected expenses.

You can choose which type of loan you would like to apply for after clicking the Apply Now button above.

Mortgage Loans

All mortgages are not the same. When you're buying your first home, making your next move, or refinancing the loan on your current home, Alcoa Community Federal Credit Union has the terms, features, and options designed to make getting a mortgage easier.

Whether you are looking for a fixed rate or an adjustable rate, an FHA loan, a VA loan, a conventional mortgage, or a USDA RHS (Rural Housing Service) loan, Alcoa Community FCU’s loan center has you covered. Let us help you understand all the choices you have when it comes to a home mortgage.

Home Equity Line of Credit (HELOC)

Alcoa Community Federal Credit Union’s Home Equity Line of Credit offers advantages that most other financial institutions can’t match. We allow you to borrow a higher percentage of your home’s value, plus our HELOC has a fixed interest rate.

You can use your HELOC to finance large expenditures such as remodeling your kitchen or bathroom, paying for a wedding, college tuition and fees, medical expenses, costly vehicle repairs, and so much more. With regular Home Equity loans, you pay interest on the full amount of the loan until it’s paid off. With HELOCs, you only pay interest on the amount you withdraw, and your interest may even be tax deductible. Consult your tax advisor. Our HELOC is available whenever you need it.

Unlike a conventional home equity loan, there is no need to apply, wait for approval, and pay processing fees each time a need arises. With a HELOC, you only withdraw the amount you need when you need it.

Become A Member At Alcoa Community FCU

If you live, work, worship, or attend school in Saline, Garland, Grant, Perry, or Hot Spring County, you’re eligible! Once you join us, you can apply for a low-cost loan or line of credit for the things you need and things you want. There is no waiting period to apply.

Our loan decisions are fair and quick. A Loan Officer will contact you within 48 hours of receiving the application. Loan approval is based on your credit record, financial history, and ability to repay.

As a not-for-profit credit union, we often offer rates that beat commercial banks. And, for your peace of mind, we offer several products to protect yourself or your collateral, such as Debt Protection insurance, GAP insurance, Mechanical Repair, or extended warranty insurance.