The Community Plus Federal Credit Union is a personal loan from Community Plus Federal Credit Union. The ongoing APR is All Emergency Loans have a rate of 18% APR. Approval typically requires a credit score of Credit score doesn’t matter. or higher. Typical credit limit: Up to $250 and $250 to $500 (application fee tiers: $20 for loans up to $250, $40 for loans $250 to $500). Loan terms: Equal monthly payments; for a $500 loan, $87.78 each month for 6 months.