Loan Services

Student Loans

ACCESS Credit Union partners with Sallie Mae® to offer private student loans with competitive rates and flexible repayment options. Apply online or learn more today.

Auto, RV & Motorcycle Loans

Keep moving with ACCESS Credit Union. Whether you're in the market for a car, truck, SUV, motorcycle, RV, or boat, we offer low-rate loans to help you hit the road—or water—with confidence. Get pre-approved today to secure the best deal before you shop. Already have a loan? Ask us about refinancing to lower your rate and monthly payment so you can save while upgrading your ride.

Home Equity Loans

Unlock the potential of your home's equity with ACCESS Credit Union. If you're looking for extra cash for tuition, medical expenses, or even that dream vacation you've been planning, we’re here to help. We offer tailored solutions to meet your financial needs, including fixed-rate lump sum loans and flexible, variable-rate lines of credit. Let us help you turn your investment into new opportunities. Contact us today to explore your options.

Visa Credit Card

Take control of your budget with our Visa Credit Card. Enjoy the convenience of a low, fixed interest rate and no annual fee, helping you easily manage expenses. Our card keeps payments predictable and affordable, whether you're covering everyday purchases or unexpected costs. Looking to save even more? Transfer balances from high-interest cards and start reducing your monthly payments today. Apply for a VISA Credit Card now to simplify your finances and maximize your savings.

Personal Loans

A low-interest personal loan from ACCESS Credit Union gives you the financial flexibility to make life's opportunities and challenges more manageable. Whether you're upgrading your home with new furnishings, planning the vacation of a lifetime, consolidating high-interest credit card debt, or covering an unexpected expense, we're here to help. Our competitive rates and flexible terms make it easier to borrow with confidence. Take advantage of a smart financing option—apply today and turn your plans into reality!

Owner Occupied Mortgage Loans & Refinancing Mortgage Loans

Purchasing your first home, upgrading to a larger space, or refinancing for a better rate has never been easier, thanks to ACCESS Credit Union. We offer competitive mortgage solutions tailored to fit your unique needs. Our personalized service, local expertise, and flexible loan options ensure a smooth, stress-free experience from application to closing. Let us guide you every step of the way because your dream home deserves the right financing.

Why Work With Us

At ACCESS Credit Union, we put our members first, offering competitive loan rates, flexible terms, and personalized service to help you achieve your financial goals. As a local, member-owned institution, we're committed to providing a stress-free borrowing experience with transparent terms and no hidden fees. Whether you're financing a new car, consolidating debt, or purchasing a home, our expert team is here to guide you every step of the way. Experience the ACCESS Credit Union difference—where your financial success is our priority!

Explore our competitive loan rates and find the best financing option for your needs. View our current rates here.

Benefits of Choosing a Credit Union for Your Loan

• Lower Interest Rates – Credit unions are member-owned, allowing them to offer lower loan rates compared to traditional banks.
• Fewer Fees – Enjoy lower or no fees on loans, accounts, and other financial services.
• Personalized Service – As a member, you're more than just an account number—we offer tailored solutions to fit your needs.
• Flexible Loan Options – Whether you need a personal loan, auto financing, or a mortgage, we provide flexible terms to fit your budget.
• Local Expertise – Decisions are made locally by people who understand your community and financial goals.
• Member-Owned – As a not-for-profit institution, earnings are returned to members through better rates and services.
• Safe & Secure – Your funds and financial information are protected, giving you peace of mind.
• Community-Focused – Credit unions invest in their communities, supporting local businesses and initiatives.

Loan FAQs