The FAMU Federal Credit Union is a personal loan from FAMU Federal Credit Union. The ongoing APR is Personal Loan up to 36 months: 7.00% to 16.50%; Personal Loan over $5,000, 37-60 months: 8.00% to 16.50% (effective 4/1/2025). Loan terms: Up to 36 months; 37-60 months for loans over $5,000.