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Atlanta Postal Credit Union Personal Loan Calculator & Overview

Updated 19 Aug 2023

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Atlanta Postal Credit Union (APCU) is a credit union founded in 1925 in Atlanta, Georgia. APCU is Georgia’s oldest and fourth largest credit union. It has 113,000 members and $2.12 billion in assets.

What are the costs and payments involved when getting an APCU personal loan? With the Atlanta Postal Credit Union personal loan calculator, it’s easy to find out! Input how much you want to borrow to see your estimated loan repayments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Atlanta Postal Credit Union personal loans summary

Atlanta Postal Credit Union offers a variety of personal loan options. A secured or unsecured loan to finance major life events or unexpected expenses. Alternatively, you can apply for a first-time borrower loan with low interest rates.

APCU personal loan features

Here’s what an APCU personal loan looks like:

Loan amounts: minimum of $300
Loan terms: Between 12 months and 72 months
Repayment frequency: Monthly
Interest rates: Will be based on loan term and the borrower’s creditworthiness (APR from 7.90% to 17.90%)
Co-signers allowed. This will increase chances of approval

Requirements for an APCU personal loan

You must be an APCU member to qualify for a personal loan.

Who can join? A family member of active or retired employees of APCU recognized organizations, associations, or companies
How to join? Open a Primary Savings Account with a $5 minimum deposit

First time loan borrowers at APCU must meet the following criteria:

Below 18 years old: apply with a qualified parent and/or guardian as cosigner/guarantor
18 to 21 years old: may need a cosigner/guarantor
If above 21 years old, credit qualifications and other criteria will apply
No application fee
Special low interest rates as first-time borrowers
Must only apply for a maximum loan amount of $300

Atlanta Postal Credit Union personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

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Loan Amount

$20,000

Term

3 months

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

Frequently asked questions

What can I use the APCU personal loan for?

You can use the APCU personal loan to achieve almost any goal you have. Use it for debt consolidation, home renovation, medical bills, car repairs, and more. Alternatively, you can use it to pay for a wedding, vacation, or even tuition.

Are APCU personal loans covered by a debt protection plan?

Yes, APCU personal loans have debt protection coverage. However, it is voluntary and won’t affect your chances of approval. But getting one will give you peace of mind for the entire loan duration.

Does an APCU loan offer low interest rates?

Applicable rates for your personal loan will be based on the documents you submit and your credit standing. The higher your credit score, the lower rates you can get.

Will there be any deductions from my loan?

No, there won’t be any. APCU does not charge any application fees. The entire amount will be disbursed to your account.

Why should I apply for a secured loan rather than an unsecured loan?

An APCU secured personal loan uses your certificate of deposit (CD) or savings account as security for your loan. Because of this, you can enjoy their lowest possible rates. More than that, your savings account will continue to earn dividends.

Atlanta Postal Credit Union Personal Loan Calculator & Overview