Other Loans

LifeStyle Access Loan

Introducing our new LifeStyle Access Loan. LifeStyle Access is your ticket to whatever. In fact, because it’s a reusable line of credit, it’s better than a ticket – it’s more like a season pass granting you access to whatever you want out of life. Once approved, your LifeStyle Access line of credit is available whenever you need it. Simply transfer funds from your LifeStyle Access line of credit directly into your Class Act savings or checking account. With low interest rates and affordable payments, the good life is more accessible than ever. Call or apply online today!

Use your LifeStyle Access Loan for anything including:
• Lasik or other elective medical procedures
• To fund an adoption
• Pay for veterinary expenses
• Your dream wedding
• A romantic honeymoon

LifeStyle Access is geared to grant you access to, well… whatever!


Overdraft Line of Credit

There’s nothing more embarrassing or frustrating than discovering an overdraft. Worse, they can be costly. Besides our modest NSF fee, merchants charge additional fees for returned checks. But don’t worry, your credit union has a solution to help reduce the frequency of such events, and limit the damage when they occur. Members can earn “extra credit” by opening an Overdraft Line of Credit (ODLOC). Then if an overdraft occurs, the ODLOC steps in to cover it. It’s an affordable way to avoid the fees and hassle of a bounced check. There is no cost to set up an Overdraft Line of Credit. Finance charges are assessed only if and when an advance is made. The sooner the balance is paid, the less it costs. The balance can be paid conveniently online, through the mobile app or with Express Line telephone banking. To get started, click below to apply now! All Overdraft Lines of Credit at 15% APR*.

Example: You borrow $100 because you need a little extra to get you by. If you pay it off the next day, you pay just to cover that purchase, saving you $32.96!*

Apply Now!

*APR = Annual Percentage Rate. Rate subject to change at any time. Actual payment will vary based on period of balance and amount borrowed.


Personal Signature Loans

Looking to build your credit, renovate a room or go on vacation? Class Act offers low interest personal loans to help you for the planned or unplanned expense.

Overdraft Line of Credit – There’s nothing more embarrassing or frustrating than discovering an overdraft. Worse, they can be costly. With Class Act’s overdraft line of credit, there is no need to be worried about an item being covered. We cover the item and you pay it back as soon as you can. There is no cost to set it up and finance charges are assessed only if and when an advance is made. The sooner the balance is paid, the less it costs. To find out more about our overdraft line of credit call 502.964.7575.

For more information, click here.

Rates shown are as low as

DescriptionMaximum AmountMaximum TermAnnual Percentage Rate
Overdraft Line of Credit$10,000Open-End15.00%
LifeStyle Access Line of Credit$20,000Open-EndAs low as 9.25%
Share Secured100% of Shares48 months3.75% + Share Rate Minimum 5.0%
Share Certificate Secured100% of SharesCertificate Maturity Date2.75% + Cert Rate Minimum 5.0%

Apply Now!

*Annual Percentage Rate. Rates shown reflect .25% discount for automatic payment option and a .25% discount for Class Act FCU checking with direct deposit. Rates subject to change at any time and are based on credit history and income.


Smart Choice Loans

Need emergency money? Class Acts Smart Choice loan is a short term loan that provides second-chance financing while building positive credit. It is designed to help you, an established member of Class Act Federal Credit Union, borrow a small dollar amount to carry you until you receive your next regularly scheduled income check.

Contact a Member Relations Officer today to get more information about our Smart Choice Loan.


Boat/RV Loan Rates*

Are you ready for some summer fun? Get that boat or RV you’ve been waiting for with Class Act. Low rates everyday so you can be summer ready no matter what time of the year it is.

Rates shown are as low as

Model YearUp to 60 months61-120 months121-144 months
20174.00% APR5.00% APR5.25% APR
20164.00% APR5.00% APR5.25% APR
20155.00% APR6.00% APR6.25% APR
20145.00% APR6.00% APR6.25% APR
20135.00% APR6.00% APR6.25% APR
20126.00% APR7.00% APR
20116.00% APR7.00% APR
20106.00% APR7.00% APR
200910.00% APR
200810.00% APR
200710.00% APR
200610.00% APR

Apply Now!

*Annual percentage rate. Rates current as of 2/1/2017 and subject to change without notice. On approved credit. Other rates and terms may apply. Rates shown reflect .25% discount for automatic payment option, and a .25% discount for Class Act FCU checking with direct deposit. 100% financing with no down payment required on 2013 and newer models; 90% financing available on model years 2010 -2012; 80% financing available on 2006 – 2009 models.

For more information, click here.

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