Special Announcement: ACU will be closed on Friday, December 1, 2023 for a System Upgrade. We appreciate your patience and understanding. Learn More

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At Ashland Credit Union, we embolden our members to achieve their financial goals. Along life’s journey, you can count on us for guidance as you strive for financial wellness.

Your life is your journey…Own It!

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Home > Personal > Borrow > Apply for a Loan

Apply for a Loan

You’ve got Choices – Thanks for choosing ACU!

Not Yet A Member? Not A Problem! Join Now!

Already a Member?

Auto, RV, Motorcycle, Farm Equipment,
Personal Loans, Consolidation Loans,
and Visa®Credit Cards. 


To successfully complete your application, select the appropriate application type below.
A member representative will contact you once your application has been reviewed.

Individual Application

Joint Application

Apply for a Home Loan

Mortgage Loans, Home Equity Line of Credit,
and Easy Refinance Loans


Purchase Mortgage:
Home Equity (HELOC) or Easy Refinance:
Check Application Status

Prefer to download and fill out our traditional loan or Visa card application by hand?


When completing a paper application, please send the application along with a copy of a recent pay stub, to Ashland Credit Union, PO Box 391, Ashland, KY 41105, fax it to (606) 329-5414, or bring it to one of our branches in person.



To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask your name, physical address, date of birth, taxpayer identification number, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents. We will let you know what additional information is required.

ACU Eligibility

In order to join Ashland Credit Union, you must meet our eligibility requirements. The only requirements are that you:

  1. Live, work, worship, or attend school in one of our communities,
  2. Are currently or previously employed by one of our sponsor companies,
  3. Are related to a current ACU member.

Once you have verified you meet eligibility requirements, please continue with the application process.