signing documents with pen
Personal Signature Loans

Sign and decide. You choose how the loan is used.

Turn dreams into reality


Bring your plans to life. Personal loans are made on your signature and require no collateral. They’re the best choice for projects with a defined time frame.

Here are just a few examples of how our members use their signature loans.

  • bride with boquet

    Plan a Wedding or Quinceañera

     

     

  • woman preparing for eye surgery

    Improve your Vision with LASIK

  • young teen with lawnmower

    Start a side business

See today’s rates

Personal Loan

Loan Type

Loan Term

Interest Rates

Loan Type

Personal Signature Loan

Loan Term

1-36 months

Interest Rates

8.0*%-17.25%

Loan Type

Personal Signature Loan

Loan Term

37 - 48** months 

Interest Rates

9.0%* to 12.25%

Loan Type

Personal Signature Loan

Loan Term

49 - 60** months 

Interest Rates

10.0%* to 13.25%

Loan rate discounts are available on Signature loans

Skip-A-Payment program is available for signature loans

Signature Loan FAQs

Yes. Today would be a great day to JOIN the credit union!

Please bring at least your last 2 paycheck stubs or another form of income verification.

*Other documentation may be required upon review of the loan application.

We have several options available for submitting loan payments:

  • In Person: you can see a teller to make a cash, check, or credit card cash advance payment
  • By Mail: send a check or money order to:
    Abilene Teachers FCU
    PO Box 5706
    Abilene, TX  79608
  • By Phone: you can pay by credit card or check by phone by calling 325.677.2274.  There is a $5  convenience fee.
  • Online: by using your ATFCU online banking or mobile app you can
    • Transfer funds from one of your ATFCU accounts to your loan
    • Pay with a credit card ($4 convenience fee)
    • Set up external loan payment with routing number and account number from another financial institution.  There is no fee with this option and you can set up recurring payments.

Start your application today

Apply Online
Get Started
Apply in Person
Find a Location Near You

Disclosures

All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.

APR = Annual Percentage Rate

*The rates shown reflect all available discounts. Discount information is referenced above. The lowest available base rate without discounts is 8.50% for personal signature loans.
**Loan terms of 37 to 60 months on personal signature loans are available to those meeting credit requirements.