ANECA's Secured Loan helps you build credit fast with no cash upfront. Payments are reported to all 3 credit bureaus, and with low payments it fits almost any budget.

Competitive Rate: Just 2.50% above your current Share or Certificate rate

Flexible Terms: Borrow for up to 60 months

Simple Process: Apply easily online anytime

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Let ANECA help you explore new opportunities, anything is possible! Finance a wedding, a dream vacation, landscape your lawn or buy appliances for your home. Whether you need a small or large amount, we have several Personal Loan options to help you achieve your goals.

• Rates as low as 11.99% APR*
• Borrow up to $20,000
• Terms up to 60 months

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^{DISCLAIMERS *Rates and loan terms subject to credit approval. Other conditions may apply. Membership eligibility required. Rates are subject to change without notice. Contact the credit union for full details.
Payment Example: A $20,000 Personal Loan financed at 11.99% Annual Percentage Rate (APR) for a 60-month term – estimated monthly payments of $445.00.
Requirements: Loan will be approved through normal underwriting guidelines.
Loan Amount: Loan amounts will vary based on credit, income, employment, etc. ANECA will work to help find an amount with a payment you are comfortable with.
Interest Rates: Rates are determined by the member’s credit score, the loan term, age, and other variables.
Fees: There are no processing fees.
Early Payoff Penalty: None.}