Maintaining good credit and a steady income, or having the security of a savings account or CD can help you prepare for the unexpected. Use your stability as leverage for more spending power when you’re in need of some extra cash.

Unsecured Loans and Credit Lines

Unsecured Loans

Alaska Pacific Bank offers our customers with an excellent credit record unsecured loans at competitive interest rates for almost any borrowing need. Loan terms depend on the loan amount and the borrower’s credit record.  Call us for more information.

Maximum Term	Interest Rate	Annual Percentage Rate
60	10.00%	10.360%
48	11.00%	11.444%
24	12.00%	12.840%

$5,000 min loan amount. For example, a loan of $10,000 for 60 months at 10.360% APR would require 60 monthly payments of approximately $212.53 each.

Personal Unsecured Line of Credit

A personal line of credit brings you the convenience of readily available cash for whatever you need, at home or away, at a lower interest rate than most credit cards. It also allows you to make major purchases without applying for new loans - as you repay your balance, the funds become available for future use. Please call us for rates and terms.

Type	Interest Rate	Annual Percentage Rate
Personal LOC	P + 4%	P + 4%
OD LOC	P + 8%	P + 8%

P = Prime Rate, variable rates are based on the Prime Rate as published in The Wall Street Journal and is subject to change. $5,000 min loan amount.

Overdraft Protection Line of Credit

At Alaska Pacific Bank, we offer the solution that provides the protection you need to avoid the inconvenience and expense of overdrafts or returned checks. This is a line of credit available to you should overdrafts occur on your account. Apply for Overdraft Protection today and never worry about bouncing a check again! Fees apply.

Other Secured Loans

Savings-secured Loans

Rather than deplete your savings account, why not make it work for you? When you use your Alaska Pacific Bank Savings Account or Certificate of Deposit as collateral, you can borrow against the amount you have on deposit at a favorable rate, tied to the rate paid on the deposit account.