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Signature Loans

Personal loans that don't require collateral

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Personal Loans

Holiday Loans

Signature Personal Loans

Consider this for debt consolidation

  • This personal loan can be used for any expense
  • We offer competitive fixed rates & loan terms up to 60 months
  • Maximum loan amount is based on approved credit
  • Quick & easy approval in-branch or online
  • No pre-payment penalties
  • Loan payment protection options
  • Online & Mobile Banking
  • End-of-Year Member Reward Dividend
  • Free account access at any CO-OP Shared Branching location
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Signature Holiday Loans

Lower personal loan rates for the holiday season

  • This personal loan can be used for holiday shopping or any other expense
  • We offer competitive fixed rates & loan terms up to 24 months
  • Maximum loan amount of $3,000
  • This loan is only offered during the months of November, December, & January
  • Quick & easy approval in-branch or online
  • No pre-payment penalties
  • Loan payment protection options
  • Online & Mobile Banking
  • End-of-Year Member Reward Dividend
  • Free account access at any CO-OP Shared Branching location

"It's good to be member at American United. They really do care about their members and proactively offer financial products throughout the year for me to consider. I appreciate their personal loan options, especially when the alternative is predatory payday lenders with extremely high fees."

Chris W. - Member since 2023

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Personal Loan Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Personal Loan Types12-month APR24-month APR36-month APR48-month APR60-month APR
SignatureAs low as 10.24%2As low as 10.49%2As low as 10.74%2As low as 10.99%2As low as 11.24%2
Holiday1As low as 8.74%2As low as 8.99%2

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Holiday loans are only available during the months of November, December, and January.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

Additional Info

How Do Personal Loans Work?

Personal loans have some benefits that differentiate them from other loan types, such as automobile loans or mortgages.

  • Personal loans are unsecured, which means you don’t have to put forth any collateral to get approved.
  • They are simple and straightforward; they require only your signature and less paperwork than other types of borrowing.
  • This type of lending is for flexibility. Personal loans are available for almost any purpose, including debt consolidation.
  • Personal loan payments are easy to budget for because they have a fixed rate for a set length of time up to 60 months.
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Why Should I Get A Personal Loan With American United Credit Union?

At American United, personal loans have no fees and the approval process is fast. Statements are delivered electronically, and you have access to a full suite of online and mobile account management tools. We also offer loan payment protection to protect your credit in case the unexpected happens. You even have access to Member Reward Dividends distributed at the end of each year. All you need is a membership with American United and approved credit.

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What Are Some Common Reasons Members Use Personal Loans? 
Members love the flexibility of a personal loan. Here are a few everyday situations that lead members to apply for this type of loan.
  • Personal loans are suitable for paying off credit cards because the interest rate is usually lower. The fixed interest rate on the personal loan can also be preferable to the variable rate of most credit cards.
  • Personal loans can help pay off unexpected medical bills, such as an emergency room visit or a child’s need for braces.
  • Emergency home needs, such as a refrigerator that dies or a heating unit that fails, can be remedied with personal loans.
  • Personal loans can pay for vacations when you really need a getaway.
  • Upgrading your home and renovating your living space can be financed through a personal loan.
  • Personal loans can pay for a dream wedding for yourself or one of your children.
  • You can grow your family using a personal loan to help cover adoption costs.
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How Do I Start The Personal Loan Process?

For your convenience, you can start the loan application process right online. If you prefer a more personal touch, call to apply over the phone or visit one of our branches to get started in person. No matter how you apply, you’ll get a fast and friendly response to let you know the next steps. Contact us today to see how easy it is to build a personal loan into your budget.

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Need emergency cash in 5-minutes?

When life happens, American United is here to help

  • Money deposited into your account in minutes
  • Application is 100% online & available 24/7
  • Loan amounts up to $2,000
  • Terms up to 12 months
  • No credit check required, approval is based on member history
  • Best for unexpected emergencies or an alternative to payday loans
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