If you already have an Alaska USA savings account, you can structure your own loan. 

Reduce the cost of borrowing by continuing to earn dividends while your savings account serves as collateral for your loan. Enjoy the benefit of fast and efficient access to a loan, while still saving for the future.

When you get a loan from Alaska USA, you'll save time with our fast loan decisions, and save money by paying no application or origination fees. Our rates are competitive and terms are available to meet your individual needs.

No credit approval is needed for a Pledge of Shares Loan.

1. Maximum Amount:

Balance of member's unencumbered share savings account or balance of any other unencumbered share savings account on which the member is a co-owner of the funds in this credit union.

2. Maximum Term:

144 months.

3. Annual Percentage Rate:

The premium share savings rate being paid at the time the loan is granted plus the following percentages based upon the term of the loan selected:

• 0-24 months: share savings rate plus 2%
• 25-60 months: share savings rate plus 3%
• 61-144 months: share savings rate plus 4%