Personal Loans*LINE OF CREDIT With many of the same functions as a credit card, a line of credit features a pre-approved, open-end revolving loan available with a variable interest rate.Payment amounts are based on a fiveyear payoff and are calculated from the date of the last advance.PERSONAL LOAN This is a loan established for a predetermined period of time with specific loan payments. The rate is fixed for the term of the loan and maximum term is 72 months.**SHARE-SECURED LOAN Obtain a loan at an attractive rate using the funds in your Savings Account (excluding your IRA) as collateral.SHARE CERTIFICATE LOANUse the money in your Share Certificate (excluding your IRA) as security. Therate is fixed for the term of the loan. The maximum term cannot exceed the certificate’s maturity date.*All loans subject to credit approval. **Example: 72 monthly payments of $18.53 per $1,000 borrowed.CONSOLIDATION LOANThis assists in consolidating external debts into one loan for a set term with specific loan payments.STUDENT LENDING Navigating the in-school and out-of-school lending journey can be confusing and costly. If you’re looking for private lending options, we may have just what you need.• In-School Lending Option An Education Line of Credit helps you manage tuition, books, board — all the expenses of secondary or private school, college and trade school.• Out-of-School Lending Option Refinance and Consolidation options help you combine your existing private and federal student loans after graduation into one manageable loan payment.For more information, visit AACreditUnion.org/ student-lending.