New Vehicle Loans (2019 or newer and 5,000 miles or less)

TermAPREstimated Monthly Payment Examples
0-54 Months3.49% - 10.24%$400.81 a month for 54 months, $20,000 loan at 3.49%
55-66 Months 3.99%-10.74%$338.05 a month for 66 months, $20,000 loan at 3.99%
67-78 Months 4.49%-11.24%$296.18 a month for 78 months, $20,000 loan at 4.49%

Used Vehicle Loans (2018 or older and over 5,000 miles)

TermAPREstimated Monthly Payment Examples
0-54 Months3.99%-10.74%$405.29 a month for 54 months, $20,000 loan at 3.99%
55-66 Months4.49%-11.24%$342.61 a month for 66 months, $20,000 loan at 4.49%
67-78 Months4.99%-11.74%$300.84 a month for 78 months, $20,000 loan at 4.99%

First Time Buyer Program

TERMAPRESTIMATED MONTHLY PAYMENT EXAMPLES
Up to 54 Months6.74% - 7.24%$430.52 a month for 54 months, $20,000 at 6.74%
55 to 66 Months7.24% - 7.74% $368.37 a month for 66 months, $20,000 at 7.24%
67 to 78 Months 7.74% - 8.24%$327.22 a month for 78 months, $20,000 at 7.74%
Rate is eligible for discounts. Rate applied to "0" scores and thin files. Thin file defined as either less than 24 months and 4 active trades on bureau, OR less than 12 months of previous auto loan history. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score.

Auto Loan Details

ADDITIONAL VEHICLE LOAN RATE DISCOUNTS
Deduct .25% for Active Duty Military and Veterans
Deduct .25% for Automatic payment
Deduct .25% for Debt Protection
VEHICLE LOANS - POLICIES, TERMS AND CONDITIONS
Max vehicle age = 5 years; Max vehicle mileage = 60,000
Max motorcycle age = 7 years; Max motorcycle mileage = 50,000
Refer to “First Time Buyer Program” for “0” FICO scores
Floor rate of 2.74% to include all possible discounts for autos
Floor rate of 2.74% to include all possible discounts for motorcycles
Floor rate of 5.24% to include all possible discounts for recreational vehicles
Credit Tier determined by best FICO AUTO V8 Score between borrower and co-borrower.
Co-Signers have no impact on rate tier.
Minimum loan amount for autos $10,000 for 66 mos. $20,000 for 67-78 mos.
All credit approvals subject to verification of income, employee and social security verification performed by ACU.
All used vehicles are subject to a review of an Experian “AutoCheck” report prior to funding.
Auto/motorcycle insurance: comprehensive and collision deductibles not to exceed $500
ACU does NOT finance Straw Deals, Branded/Salvaged Titles, Lemon Law or Gray Market vehicles.
All exceptions analyzed on a case by case scenario
Skip-A-Pay
“Skip” your loan payment twice per year. Skip requests are subject to approval and interest will continue to accrue.
No Payments for 90 Days
Applies to new loans, or loans transferred from another financial institution. Interest will begin to accrue from the date of disbursement. Offer applies to Tiers 1-3 only and subject to final underwriting. Unless otherwise stated, the first payment must be within 45 days.

Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc.)

TermAPRESTIMATED MONTHLY PAYMENT EXAMPLES
Up to 180 Months5.99% - 10.99% $511.24 a month based on 84 months, $35,000 loan at 5.99%

Motorcycle Loans

TermAPRESTIMATED MONTHLY PAYMENT EXAMPLES
0-54 Months 3.49% - 7.24% $400.81 a month based on 54 months, $20,000 loan at 3.49%
55-78 Months4.49% - 8.74% $296.18 a month based on 78 months, $20,000 loan at 4.49%

Personal Loans

Personal LoansTermAPRESTIMATED MONTHLY PAYMENTS EXAMPLE
Personal Loan ($500 - $25,000) 1-12 Months 5.99%-16.99%$301.24 a month for 12 months, $3,500 loan at 5.99%
Personal Loan ($500 - $25,000) 13-24 Months6.24%-17.99%$155.52 a month for 24 months, $3,500 loan at 6.24%
Personal Loan ($500 - $25,000) 25-36 Months6.49%-14.24% $107.28 a month for 36 months, $3,500 loan at 6.49%
Personal Loan ($500 - $25,000) 37-48 Months 6.74%-10.74%$83.41 a month for 48 months, $3,500 loan at 6.74%
Personal Loan ($500 - $25,000) 49-60 Months 6.99%-8.99% $69.31 a month for 60 months, $3,500 loan at 6.99%
Certificate of Deposit Secured 120 Months Max3% above the Certificate of Deposit Dividend Rate$46.05 a month based on 5 years, $2500 loan at 4.00% APR
Savings/Money Market Secured 120 Months Max 3% above the Dividend Rate$46.05 a month based on 5 years, $2500 loan at 4.00% APR

Visit the ACU Home Loan Center for currents mortgage programs and rates.

ACU Home Finder can help you find homes for sale in your area!

Visa
Visa Platinum 7.04%-18.00%. Visa Platinum Rewards 8.04%-18.00%.
INTEREST RATES AND CHARGES
Annual Percentage Rate (APR) for PurchasesVisa Platinum 7.04%-18.00%* based on credit worthiness when you open your account. APR will vary with the market based on the Prime Rate.
Visa Platinum Rewards 8.04%-18.00%* based on credit worthiness when you open your account. APR will vary with the market based on the Prime Rate.
APR for Balance Transfers1.54% introductory APR for the first 180 days for balances transferred within 30 days from account opening. After that, Visa Platinum 7.04%-18.00%* based on credit worthiness when you open your account.APR will vary with the market based on the Prime Rate.
Visa Platinum Rewards 8.04%-18.00%* based on credit worthiness when you open your account.APR will vary with the market based on the Prime Rate.
Penalty APR and When it AppliesNone
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov.learnmore
FEES
Annual FeeNone
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

3% of the amount transferred
None
None
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

Up to $35, if payment is made past the due date
None
None
Other Fees
  • Skip-A-Payment
  • Replacement Card
  • Sales Draft
  • Photocopy Fee

$30 fee (Interest Charge) will be assessed to your share or checking account, for any payment that you request to skip, provided we honor your request.
$10 per replacement card may be charged to your account
$6-$8 to provide documentary evidence of your transaction
$1 photocopy of monthly statement at your request
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Visa Account Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights see Visa Account Agreement. *Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates'column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: (Visa Platinum) 2.04%-13.49% and (Visa Platinum Rewards) 3.04%-14.49%, depending on your credit history. The interest rate may change quarterly on the first day of the month following a change in the Prime Rate. The Annual Percentage Rate will never be more than 18.00%. Any increase will take the form of more payments of the same amount.
Prime Rate Information
Date the Prime Rate is Determined: First day of the calendar quarter (January, April, July, and October)
Effective Date of Prime Rate: First day of the following month

Loan Application Process

OnlineBy PhoneIn PersonASKAUTO Mobile App
https://www.youracu.org/loans/Monday-Friday 8am – 6pm
Saturday 9am – 4pm
253.964.3113
Toll Free: 866.968.7128
Visit a Branch LocationDownload the AskAuto app for free to your iPhone, iPad, or Android.
Be sure to select ACU on the startup screen. Then you can apply for
an ACU auto loan from your mobile device.
All rates are Annual Percentage Rates and are subject to change at any time without notice. All loans are subject to approval of credit. Some restrictions may apply.