Other Loans

Personal Loans & Lines of Credit

LifeStyle Access Line of Credit – Low as 10.75% APR!

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.

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 Acess is geared to grant you access to, well… whatever!

*APR = Annual Percentage Rate. Rate subject to change at any time. Minimum payment is $50 or 2.5% of statement balance depending on which is higher. Variable rate as of 2/2/2023. 10.75% APR-18% APR based off of credit and Prime Rate +3.

Lifestyle Credit Limit: $5,000.00 – $20,000.00 (max. unsecured $25,000 aggregate)
Variable rate indexed to Prime Rate as published in The Wall Street Journal
1.) The index is determined 10 days prior to the date of change
2.) The rate change will be effective on the 1st day of each month, if applicable

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 or call 502.964.7575 to find out more! 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!*

*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.

Smart Choice Loans

Need emergency money? Class Act’s 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.

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 10.75%
Share Secured100% of Shares48 months3.75% + Share Rate Minimum 5.00%
Personal Loan$25,00072 monthsAs low as 7.49%
Share Certificate Secured100% of SharesCertificate Maturity Date2.75% + Cert Rate Minimum 5.00%

*APR = Annual percentage rate. Rates effective as of 01/01/2023 and subject to change without notice. On approved credit. Other rates and terms may apply based on individual creditworthiness. Personal Loan Rates shown reflect .25% discount for automatic payment discount. Payment example for Personal Loan: $10,000 loan amount with a 36 month term at 7.49% would have monthly payments of $312 or $31.20 per $1,000 borrowed.  Not available for refinance of existing CAFCU loans.

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