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Rates & Fees

Personal Loans

Loan TermAPR* as low asLoan Amount
2 Years11.90%Up to $15,000
3 Years11.90%Up to $15,000
4 Years11.90%Up to $15,000
5 Years11.90% Up to $15,000

* Annual Percentage Rate, all loans subject to approval. Borrow up to $15,000 if you have A or B credit; up to $10,000 for C and D credit; must borrow a minimum of $5,000 for a 5-year loan. Advertised rate is for "A" credit - rate determined by credit score.

Loan Calculator

Format: 12M, 36M, 3Y, 7Y

More Info

We manage all our personal loans in-house. If you apply for a loan online, we’ll respond within 24 hours!

Not only do we boast the best customer service in the business, but we bend over backwards to make things convenient for you. You can apply extra payments directly to the principal balance of your loan or set up recurring payments and monitor the progress of your personal loans through our online banking service.

Frequently Asked Questions

  • Can borrowers use their savings or share certificate balances as collateral for a loan?

    Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.

  • What is the maximum term for a “land only” loan with Acadia FCU?

    The maximum term for a “land only” loan is 15 years.

  • Can I make a loan payment using a debit card, credit card, or by ACH?

    Acadia will accept your loan payment via Express Pay, using a debit card or ACH using another financial institution. We are unable to accept credit cards as a payment type, due to regulations put forth by legislation. To make a payment via debit card or ACH, you can call us at 1-855-692-2234, contact us through Live Support in the lower right corner of our website, or take care of the payment yourself using our Web Payment Center,  hosted and managed by Bacon Pay/SWBC. Click “Register” if you don’t have a payment account set up.

    Keep in mind that you will be assessed a fee when you perform this self-guided transaction, which is $5 at the time of this posting (subject to change at any time). The maximum payment that can be made this way is $1,000.

    You will need to know your account number to register your Acadia FCU account for this service. You may pay using Visa debit cards and many major credit cards; Visa credit card payments are not accepted.

    Note: If you are unable to perform this self-guided service through the Web Payment Center and need an Acadia FCU Member Service Representative to assist you, the fee is $10 at the time of this posting (subject to change at any time).


  • Does Acadia have any loan offers or other promo or savings opportunities at this time?

    Check out this page to see what exciting specials or promotions Acadia has going on right now!

  • Where can I find Acadia’s disclosures or new account forms and applications?

    You can find all of Acadia’s important disclosures and various account applications right here.

  • What documentation do I need to provide?

    We will ask for your last 30 days of pay stubs.

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I have been a member of Acadia FCU for decades. I wouldn't change financial institutions for anything! Barbara H., member since 1992