Personal Loans


From lawnmowers to laptops, appliances to auto repairs, you need money to make life happen.


Come to First Californian for a personal loan that fits the bill. With low rates and flexible repayment terms, we will try to structure any loan to meet your borrowing needs.

Personal loan options include:


  • No loan fees
  • Low interest rates
  • Quick and easy approvals
  • No pre-payment penalties if you pay your loan off early
  • Loan payment protection
  • Creditworthiness determines price of your loan, so good credit is rewarded

Signature Loan


With this loan, eligible members may borrow up to $25,000, with terms up to 60 months. Rate is based on member’s credit score and the member puts up no collateral.

Share Secured Loan


Put up your own savings or term share certificate as collateral to borrow at one of the lowest rates. Terms up to 120 months, with financing up to 100% of the available balance in the savings or certificate account. A “hold” is placed on the funds securing the loan and as the loan balance decreases, the “hold” amount also decreases.

Consolidation Loan


Downsize your monthly loan and credit payments combining almost any type of debt, like a vehicle, furniture, computer, boat, and credit card loans; even your house payment. Most likely, you will lower your monthly payment and pay less in interest, too.


Apply Online for a Personal Loan


The First Californian application takes only minutes to complete.

There is no obligation to activate the loan, and approvals are valid for 30 days. If your application is approved, you will be contacted by one of our knowledgeable loan officers with instructions.

Click Here for loan options, rates, and disclosures.

Apply Now!

For additional information, to schedule an appointment, or to begin an application, please contact us today.


  • Call us at 951.755.5572 or toll free 877.992.8663, Monday – Friday, 9 am – 5 pm
  • Visit any of our convenient branches
  • Email us at loans@amucu.org

All of our loans are simple interest loans, which means your interest rate will never change. Also, there are never any prepayment penalties, so you are free to pay off your loan quicker than originally scheduled.


Have questions or want to open an account?

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951.267.9951