Personal Loans

The right loan allows you to make purchases conveniently and affordably. At Alaska USA, you save money with great rates and save time with fast decisions. Enjoy convenient terms that meet your individual needs, plus get up to 100% financing on approved credit.

Signature

When you need to make a special purchase but don’t want to burden your current assets, use a credit card, or tap into your savings account, a signature loan from Alaska USA could be just what you need. You get the convenience of a non-revolving loan, while still saving money with great rates from Alaska USA. You’ll save time with our fast loan decisions. You may be granted a loan based on your credit qualifications. The only guarantee you need is your signature.

Credit Line

If you have occasional need for a little extra purchasing power or want the security of having a financial cushion, an Alaska USA Credit Line loan may be right for you. This revolving line of credit gives you the funds you need, when you need them, without having to reapply for a loan.

  • Apply now and relax, knowing the money will be there whenever you need it.
  • Access your credit line loan at the teller line; by telephone or mail;
    by ATM or UltraBranch® any time, day or night.
  • Use your credit line loan for overdraft protection on your Alaska USA checking account.
  • Pay no fees for taking an advance on your credit line loan.
  • Enjoy low monthly payments.
  • No prepayment penalty.
  • Receive accurate and timely information with your monthly statement that shows
    outstanding balance, minimum payment due, and the amount available for additional advances.
 
Payday Credit Line

*For Military Members*

The Alaska USA Payday Credit Line was designed to help active duty military personnel and their families access extra funds when they need them.

An excellent alternative to other payday lending options, the Alaska USA
Payday Credit Line offers an affordable line of credit, no application or transaction fees,
and a credit limit maximum that can be paid off reasonably within six months or less.

  • Take advantage of a lower rate than what is offered by most other payday lenders.
  • Access your payday credit line by ATM, through UltraBranch®, at the teller line, by phone, or by mail.Pay no fees for taking an advance on your payday credit line.
  • No prepayment penalty.
  • Build positive credit; your repayment history will be reported to credit bureaus.
Pledge of Share

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 share loan.

Pledge of Share loan guideline

January 27, 2010
Maximum loan 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.
Annual percentage rate (APR) 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: premium share savings rate plus 2%
25-60 months: premium share savings rate plus 3%
61-144 months: premium share savings rate plus 4%

View loan rates.
Pledge of Certificate

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

Reduce the cost of borrowing by continuing to earn dividends while your certificate 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 certificate loan.

Pledge of Certificate loan guideline

April 26, 1995
Maximum loan 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.
Annual percentage rate (APR) Two percent (2%) above the pledged certificate rate. View loan rates.
Restrictions Loans will not be granted on share certificates earning a rate in excess of two percent (2%) below maximum statutory allowable loan interest rate.