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Thinking of a new car? Need to find a way to pay next semester's tuition? Check here for all you need to know about Loans from Atlantic City Electric Company Employees Federal Credit Union.

Vehicle Loans

-New Vehicle Loans - Take advantage of our low rates, flexible terms, and up to 75% financing of the actual vehicle cost. You can use a new vehicle loan to buy a new car, truck, van, sport utility vehicle, or a cycle loan.

-Used Vehicle Loans - If a pre-owned vehicle auto is what you have in mind, we can offer great loan values. You can finance your used auto at fixed rates that are very competitive and for terms up to 60 months.

-Recreational Vehicle Loans - If the open road is beckoning you, call us for an RV loan. We have loans available for new and used RVs.

Home Loan

-Home Equity Loans - If real estate is your focus now, we are your source. If you want to use the equity in the home you now own, call us. We want to help.

Our Home Equity Loans Can Help You Make Things Happen!
You can make your home a castle, consolidate your bills, or use the equity in your house for any good reason.

Think about what you could do:

  • add a deck

  • kitchen or bath

  • pay for an education

  • take a special vacation;

  • and more.

-Fixed Rate Home Equity Loan - Take advantage of our low rate and choose terms of 5, 10, and 15 years to repay. The rate will be in effect for the term of your loan. You can borrow up to 75% of the market value in your home, minus your first mortgage.

-Variable Rate Home Equity Line of Credit - With our Variable Rate Home Equity Line of Credit Loan, the credit union will lend you an amount equal to as much as 75% of the market value in your home, less the first mortgage.

The rate will be based on the Prime Rate, as quoted in the Wall Street Journal on the last business day of February, May, August, and November, plus .5%.

Please check with the credit union for additional information, draw schedule, and repayment terms.

Other Loans

-Personal/Signature Loan
This loan is one of the most popular member loans because it can be used to solve a variety of money problems. 

With our Signature/Personal Loan, you never have to wrestle over where you're going on your next vacation, or whether or not you can fit a new computer into your budget. You can borrow the funds you need for 2, 3,or 4 years, at our great, low rate. Take a vacation, buy a computer, fix the car, you name it!

Guidelines for Eligibility

  • Proof of Stable Income
  • Credit History Analysis
  • Employment History Verification
  • Income to Debt analysis
  • Ability of Repayment
  • Meaningful Purpose
  • Member in Good Standing

-Share-Secured Loan
Your strong commitment to savings can provide you with the security you need for a loan. 

With the accumulated funds in your share accounts, you can apply for a loan. No need to take the money out.

By pledging your Shares in the credit union for the full period of the loan, you may borrow up to the amount you have pledged for up to 5 years. The following guidelines apply:

  • Dividends continue to be paid as usual on pledged funds.
  • The amount frozen is amortized as the loan is repaid.
  • Total amount of the loan must be secured by shares in account.

-Refinancing Loans
If you have already have a home equity, personal, or new or used vehicle, RV, or van loan at another financial institution, you can still take advantage of the great interest rates and flexible terms that Atlantic City Electric Company Employees Federal Credit Union offers its members. Refinance with us today. Our great low rates and terms on refinancing can immediately reduce your monthly payments.

So don’t stay stuck with their rates and payment terms. Refinance with us and save. Consider Direct Deposit and Payroll Deduction and make that saving even easier.