Build your credit, build your savings.
Whether you’re establishing credit for the first time or working to improve your credit score, Acadia FCU’s Score Saver Loan can help you move forward. Make regular loan payments while building savings at the same time—and receive the full loan amount in cash, plus dividends, at the end of your loan term.
A smarter way to build credit—and savings.
With a Score Saver Loan, you can borrow as little as $1,000, with a minimum term of 12 months and a competitive APR. Instead of receiving the loan proceeds upfront, the funds are held while you make regular payments on the loan.
Once your loan term is complete, you’ll receive the full loan amount in cash, plus dividends. Along the way, your regular payments can help you establish or strengthen your credit history while creating savings for the future.
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Designed to help establish or improve credit
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Loan amounts starting at $1,000
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Minimum 12-month term
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Build credit and savings at the same time
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Receive the full loan amount, plus dividends, at term-end
Rates as low as
Monthly Payment
I have been a member of Acadia FCU for decades. I wouldn't change financial institutions for anything!
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We will ask for your last 30 days of pay stubs.
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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.
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We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!
Rates
Personal Loans
| Loan Term | APR* as low as | Loan Amount |
|---|---|---|
| 2 Years |
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Up to $15,000 |
| 3 Years |
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Up to $15,000 |
| 4 Years |
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Up to $15,000 |
| 5 Years |
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Up to $15,000 |
| Heating & Cooling Loan |
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Up to $5,000 |
| Score Saver Loan |
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Up to $5,000 |
| Cash for Christmas Loan (Seasonal) |
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Up to $3,000 |
*Annual Percentage Rate (APR). All loans are subject to approval. For standard personal loans, borrow up to $15,000 with A or B credit or up to $10,000 with C or D credit. A minimum loan amount of $5,000 applies to 5-year personal loans. Advertised rates are based on “A” credit; your rate may vary based on creditworthiness.
Heating & Cooling, Score Saver, and Cash for Christmas loans have separate terms, eligibility requirements, and restrictions. Cash for Christmas is a seasonal loan available only during the promotional period, typically beginning in October and continuing through November and December.
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