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Personal Loans

Personal Loan

Providing for your family is your number one priority. And ours is making sure that's as painless as possible. Whether you have large unexpected—or expected—expenses NCPD Federal Credit Union's personal loans are your answer.

  • Your signature is as good as cash!

  • A member in good standing may apply for a personal loan up to $30,000 for varying credit needs ranging from school tuition to family emergencies

  • Take up to 8 years to repay with our flexible terms and competitive variable APR*

  • Personal Loan Online Application

*Interest Rate is the Prime Rate as published in the “Money Rates” section of the Wall Street Journal + 3.50% and may change monthly.

Vacation Loan

Do you have an upcoming trip or planning that big getaway? Make NCPD Federal Credit Union your first stop! We'll help you get there with a vacation loan. Take out a loan before the trip and you'll know how much you have to spend and how you're going to pay for it when you get home.

Share Secured Loan

A share secured loan is perfect for members who want to establish or rebuild their credit because you borrow against what you already have on deposit in your share account. Best of all, you still earn interest on the money in your savings!

  • Secure your variable rate loan with funds on deposit

  • Borrow up to 90% of the amount of available funds in your Regular Share Account with up to 96 months to repay

  • You'll enjoy a low interest rate on your loan while continuing to earn competitive dividends on your accounts

  • Automatic approval up to amount of 90% of the available funds

  • No credit report needed

  • Shared Secured Loan Online Application

Share Secured Loan rate is 1.50% APR over last regular declared dividend rate on a regular savings account, as to exclude any bonus dividend rate. May borrow up to 90% of share balance. Interest rate will reset on the first day of each quarter if necessary.

Overdraft Protection Line of Credit

  • Avoid bounced or returned checks with our Overdraft Protection Line of Credit

  • Funds are automatically transferred to clear any outstanding checks up to your approved credit limit