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Personal Loans

Loans are available for all good purposes. Interest rates are very competitive and may vary according to the purpose of the loan and collateral offered.

All credit union loans are calculated as simple interest, with finance charges based on the actual time the borrowed funds are used. This can save you hundreds of dollars over the life of a loan.

Ask your loan officer about loan protection and credit disability insurance. Both are available at a minimal cost.

Personal Loans

Looking to consolidate your debts or simply need an unsecured loan? The Credit Union has a variety of terms and rates to suit your needs. Ask a loan officer for more information or print an online application today.

Overdraft Line of Credit

With our overdraft protection, FCPCU will transfer available funds (some fees may apply) from your Share Savings Account to cover any overdrafts, helping you avoid uncomfortable situations, as well as related fees from merchants. In addition, you can apply for an Overdraft Line of Credit, a loan that's linked to your checking account. This option allows for some extra protection. Necessary funds are transferred from the loan directly into your checking account. An Overdraft Line of Credit from FCPCU can help you gain the protection and stability you're seeking. This eliminates the stress, fees, and embarrassment associated with overdrawing your account. Maybe it was a returned check or perhaps a declined Check Card - no need to worry when you're covered with Overdraft Line of Credit.Members who are interested in this must complete a loan application and qualify for the LOC.

For more info on Over-draft Line of Credit, or to signup, contact FCPCU today and get the coverage you need for the confidence you want!

Quick Cash Loans

Need fast cash? Our Quick Cash loans are designed to that you will be in and out in no time with the cash you need.

Share & Share Certificate Secured Loans

Borrow from yourself and save!

Use your regular share account or Share Certificate as collateral and borrow up to the amount in your account. You will continue to earn dividends on your savings as you pay down your loan.

It's a quick and easy process!.

Apply today or call or visit our Loan Department for more information.


All loan requests are responded to promptly and in the strictest of confidence.

Goldsboro Office
201 E. Ash Street
Goldsboro, NC 27530

Cary Office
1105 Walnut Street
Cary, NC 27511

Phone:      (919) 736-0885
Toll-free:  (800) 452-4021

Lost/Stolen Debit Cards:
(800) 889-5280
Lost/Stolen VISA Credit Cards:
(800) 369-4887