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  This credit union is federally
insured by the National Credit
Union Administration.

Loan Products

Rate Reduction Program
Introducing ALL NEW Rate Reduction Program!

Your credit union is always looking for ways to keep you financially fit.  We think we’ve done just that! Don’t think you’re the only one who may have less than perfect credit. You’re not alone.  That shouldn’t mean you can’t qualify to buy a car, consolidate debt or get a personal loan. Our solution is a rate reduction program that can lower your interest rate by as much as 2% and help rebuild your credit.  Here is how it works:

  1. Make your payment on or before the due date for 12 consecutive months, beginning with the first payment, and we will reduce your rate by 1%.*
  2. Do the same for an additional 12 months, and receive another 1% rate reduction.*

You have now reduced your rate by 2%. It’s just that easy. Not only does this save you money but it may position you for future loans at more affordable rates.  You’re well on your way to financial fitness. Together reducing is our goal!

…RATE REDUCTION PROGRAM – Your Permanent Reduction Plan
Don’t delay! Call today!
Contact our Loan Department at 336-332-4404 or 888-794-1001!

* If a payment is missed or late anytime during each 12 month period, your rate is not eligible for the rate reduction. It is the borrower’s responsibility to notify the credit union at the end of each 12 month period in order to receive the rate reduction.
Some restrictions apply and subject to credit approval.

Auto Loans
New and used auto loans are available for cars, trucks, and motorcycles. 100% financing is available foir qualified borrowers. Apply on-line before you shop for a quick pre-approval.

  • Cash rebate or 0% financing? Take the rebate so you’ll finance less and have equity in your vehicle sooner. Should I take the rebate or special financing?
  • Did you finance your vehicle elsewhere? Let us help you lower your monthly payment by refinancing.
  • Need cash out? If you have equity in your vehicle, you could borrow on the available equity at our low rates.

MasterCard – Not all cards are created equal - Get the Credit Union Difference!


  • No Annual Fee
  • 25-Day Grace Period for purchases
  • No Minimum Finance Charge
  • No Cash Advance Fee
  • Balance Transfers – We pay YOU!
  • On-line access to transactions and payments
  • ScoreCard Rewards Program

ScoreCard is a rewards program that encourages you to use your Acclaim FCU MasterCard for all of your purchases. For every dollar you spend, you earn Bonus Points that can be exchanged for fabulous travel and brand-name merchandise. The more you spend, the more you earn. Life should be rewarding. It’s time for you to take care of YOU.

Life should be rewarding

Your MasterCard Credit Card
offers those rewards with every purchase!

Every purchase you make with your card earns you valuable Bonus Points you can redeem for brand-name merchandise and exciting travel rewards.

If you visit the web site www.scorecardrewards.com you’ll be amazed at the merchandise available. You can also search for awards by Bonus Point level so you will always know how many more Bonus Points you’ll need for that “must have” reward. Once you’ve earned enough Bonus Points to redeem, you can send your order on line or through regular mail. It’s that easy!

When it comes to travel, ScoreCard has something for every preference and every Bonus Point level.


REWARD YOURSELF…you deserve it!

MasterCard Credit Card
Whether you're shopping, traveling or need extra cash, your MasterCard Credit Card can give you the purchasing power you deserve. To meet your individual needs, we are proud to offer both Classic and Gold cards.
MasterCard Classic
MasterCard Gold
Annual Fee
Credit Limit
Up to $10,000
Minimum $250
Up to $25,000
Minimum $10,000
Low Fixed Rate
Low Fixed Rate
Grace Period
25 Days
25 Days
Balance Transfer Fees
Transaction or Cash Advance Fee
Auto Rental Insurance
To begin experiencing the benefits and convenience of an Acclaim FCU MasterCard Credit Card we encourage you to Apply NOW!
If you need more information before you apply please contact our
Loan Department at
336-332-5302 opt 1 or 888-794-1001 opt 1

REMINDER: For every dollar you spend using your MasterCard Credit Card, whether it is Classic or Gold, you earn Bonus Points with your ScoreCard Rewards program redeemable toward fabulous travel and brand-name merchandise.

Want to join the Credit Union AND apply for a card?
Membership Application

You don’t have a Credit Union MasterCard?

Click here to Apply now!


Regular checkups with your physician are critical in assuring good health. The same concept holds true for one of your most important financial investments…Your Mortgage. The best part…this check-up is FREE.

With interest rates still at an all-time low, you may want to lower your existing mortgage payments. OR you may already have a low rate and have equity in your home that you haven’t taken advantage of yet. Equity in your home can help consolidate debt, pay for college, vacations or those unexpected emergencies. And, in most cases, the interest you pay is tax deductible. If you’re not sure about your options, call us for a mortgage analysis. Acclaim FCU’s mortgage professionals have helped many members with their mortgage needs and, together we can discuss your individual situation and options to determine if NOW is the right time for you to BUY, REFINANCE or CASH IN on the equity in your home.

Call Acclaim FCU for a FREE Mortgage CHECK-UP TODAY.


Other Loan Types

Recreational Vehicles:
We’ll help you finance that boat, camper, off-road motorcycle or jet-ski. 80% financing available to qualified borrowers.

Home Equity Lines:
Borrow up to 90% of your available equity with no costs to you. Easy access to the line when you need it and on-line availability for payments and balances.

Overdraft Lines:
Don’t worry about that checking account and those debit card receipts when you have an overdraft line of credit as your safety net. No fees for this service other than a low annual percentage rate for any portion of the line that you borrow. Access your limit on-line for advances and payments anytime.

Personal Loans:
For bill consolidations, vacations, back-to-school supplies, or whatever the reason. Apply on-line for same-day approval!

Savings Secured Loans:
Don’t withdraw your hard-earned savings or break that timed-certificate before its maturity date. Just use what you have on deposit as collateral for a loan at below market rates!

FAST! Easy applications. Apply on-line, in person, or by telephone. We RUSH all of our applications for fast response.

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