Personal Lending

A personal loan can be a great way to consolidate debt or finance expenses. NCPAFCU has a variety of personal loans to meet your needs. Apply online through Press Pass, by calling Member Services at (888) 732-8562 or by visiting your local branch.¹

Note: Member Services offers Lending Services from 8:00 am – 9:00 pm (Eastern).


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View our Personal Lending rates


Share Secured Installment

• Fixed-rate installment loan
• Share account funds serve as collateral
• Maximum term of 48 months²
• Maximum loan amount equal to value of shares

Share Secured Term Note

• Fixed-rate single payment loan
• Share account funds serve as collateral
• Maximum term of 6 months³
• Maximum loan amount equal to value of shares

Share Term Certificate (STC) Term Note

• Fixed-rate single payment loan
• STC funds on deposit serve as collateral
• Maximum term limited to remaining term of collateral STC⁴
• Rate is 2% above STC rate, rounded to nearest ¼%

Open-End Signature

• Variable-rate open-end loan⁵
• Maximum loan amount is $7,500 per individual,⁶ $15,000 joint⁷
• Unlimited subsequent advances up to the amount of credit limit^8,9
• Can serve as a protecting account for your NCPAFCU Checking account through the Overdraft Transfer Service

Closed-End Signature

• Fixed-rate signature installment loan
• Maximum loan amount is $7,500 per individual,⁶ $15,000 joint⁷
• Maximum term of 72 months¹⁰

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Credit Insurance
Credit insurance can protect your finances when unforeseen events occur. Our low-cost credit insurance options can help make your monthly loan payments should you become disabled or pay toward your outstanding loan balance in the event of your death.

Learn More About Credit Insurance


¹Lending is limited to members who are 18 years of age or older and residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia.
²Payment example: 48 monthly payments of $112 for $5,000 borrowed at 3.50%.
³Payment example: One payment of $1,019.72 for $1,000 borrowed at 4.00%.
⁴Payment example: One payment of $1,055.02 for $1,000 borrowed at 5.50% for one year.
⁵The variable APR is calculated by adding the index rate to a loan margin between 4.50% and 7.50% based on credit worthiness at account opening. The index is the U.S. Prime Rate as published in the The Wall Street Journal and is subject to change quarterly. The APR will not exceed the maximum permitted by applicable law.
⁶Each member has a maximum cumulative signature borrowing limit of $7,500. If the borrower holds existing signature loan debt with NCPAFCU, the maximum loan amount allowed will be less the existing debt held.
⁷Maximum joint loan amount is limited to the aggregate of each individual’s cumulative signature borrowing limit. If a borrower holds existing signature loan debt with NCPAFCU, the maximum loan amount will be less the existing debt held.
⁸Open-End Signature loans originated after 10/31/2023 have a 10-year draw period. The length of the repayment period is indefinite.
⁹Requests to increase your credit limit are subject to additional underwriting and credit approval.
¹⁰Payment example: 72 monthly payments of $142 for $7,500 borrowed at 10.75%.