Personal Loans

Get the funding you require by obtaining a personal loan

If you find yourself in a situation where you require funds urgently, whether it’s for an unexpected emergency, a necessary purchase, or to combine your debts, ACT 1st FCU offers personal loans that can provide the assistance you need.*

Secured Loans

Use money in your ACT 1st FCU savings or certificate account as collateral to get a great rate. Choose from a Share Secured or Certificate Secured Loan. 
Learn More ➜

Unsecured Loans

We offer personal loans with a fixed rate and term to cover your financial needs.
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* Applications are subject to credit qualifications and approval. Actual rate is based on your credit history. Must meet membership eligibility requirements.

Romney branch will close at 4pm on 6/16/2026 (reopen 9am 6/17). Messick Rd will close at 4pm on 6/17/2026 (reopen 9am 6/18). All branches will be closed on Friday, June 19th for the Juneteenth Federal Holiday (reopen Saturday 6/20)