Personal Banking

Drive Home a Better Auto Loan

Local underwriting, no dealer markup, and up to 1.25% APR off your rate. ACU members keep more of their money.

Apply for Auto Loan See Rates
Couple receiving the keys to their new car

Rate Discounts

Lower Your Rate Before You Drive Off the Lot

Stack multiple discounts and reduce your APR by up to 1.25%. Your service, your loyalty, and your smart financial choices work in your favor.

0.50% off

Military and First Responders

Active-duty military, veterans, and first responders receive a 0.50% APR reduction in recognition of your service.

0.75% off

Autopay with Direct Deposit

Set up autopay from an ACU account with a direct deposit equal to or greater than your loan payment and save 0.75% APR.

0.50% off

External ACH or ACU Autopay

Pay via external ACH or ACU autopay without a qualifying direct deposit and reduce your rate by 0.50% APR.

0.25% off

Debt Protection

Add debt protection coverage to your loan and receive an additional 0.25% APR off your rate.

Maximum aggregate discount: 1.25% APR

What We Finance

From Daily Commutes to Weekend Adventures

ACU finances the vehicles that fit your life - new cars, used trucks, motorcycles, RVs, and more.

New Vehicles

Current model year or newer with 5,000 miles or less. Get our most competitive rates on a brand-new vehicle.

Used Vehicles

Previous model year or older with more than 5,000 miles. Flexible terms and competitive rates on quality used vehicles.

Motorcycles, RVs and Boats

Motorcycles, motorhomes, RVs, boats, and travel trailers. Finance the adventure that fits your lifestyle.

Skip the Haggling. Try ACU Auto Concierge.

Avoid the hassle and the haggle. ACU's Auto Concierge service helps members locate a vehicle, schedule a test drive, and get on the road - without the dealership pressure.

Learn About Auto Concierge

Why ACU

Everything You Need. Nothing You Don't.

ACU auto loans are built for members, not margins. Here is what that difference looks like. As of March 2025, credit unions averaged 5.86% APR on 60-month new car loans while banks averaged 7.51%, according to NCUA rate data.

4.46%

As low as 4.46% APR with discounts

No dealer markup, no middleman. Your rate is set by ACU, not a finance manager's commission. The as-low-as rate includes the 0.75% autopay with direct deposit discount. Rates effective February 1, 2026, and subject to change.

84 mo

Terms from 36 to 84 Months

Choose what fits your budget. Shorter terms mean less interest; longer terms mean lower payments.

1.25%

Up to 1.25% APR Off

Stack discounts for military service, autopay, and debt protection to lower your rate further.

FTB

First-Time Buyer Program

We look at the whole picture, not just your credit score. Limited history is not a dead end.

Local

Local Decision-Making

Approvals happen here, not at a call center. Real people who know this community make your loan decision.

NCUA

NCUA-Protected

Your membership is federally insured up to $250,000 by the National Credit Union Administration.

How It Works

Three Steps to the Keys

ACU makes auto financing fast, transparent, and entirely on your terms.

1

Check Your Rate

Apply online in minutes. See your rate before you step into a dealership. No pressure, no obligation.

2

Choose Your Terms

Pick the loan length that fits your monthly budget, from 36 to 84 months. We walk you through the numbers.

3

Drive Home

Get funded and get behind the wheel. Manage your loan, make payments, and set up autopay in the ACU Mobile App.

Pre-Approval

Walk In a Cash Buyer

Pre-approval is a written commitment to a specific amount, rate, and term, issued before you pick a vehicle. To the seller, that makes you a cash buyer. Here is what changes.

Price, not payment

Skip the Payment-First Close

"What monthly payment are you comfortable with?" lets a dealer stretch the term or inflate the price while the monthly number stays put. You already know your rate and term, so the conversation moves to what the car costs.

1 to 2 points

Cap the Dealer Markup

Dealer-arranged loans often carry a markup over the wholesale rate, called the dealer reserve. Pre-approval removes it. If the dealer's finance office can beat your rate, take theirs. If not, you already have financing.

Your ceiling

Know Your Number

The most common regret in car buying is stretching. When you are approved for $28,000, the $35,000 SUV on the showroom floor is a different conversation. Your approved amount is a ceiling, not a target.

Minutes, not hours

Close Faster

Most of the financing paperwork is already done when you arrive pre-approved. The dealer confirms the vehicle with ACU, the funds move, and you are out the door.

Apply in about ten minutes. No vehicle or VIN needed; the pre-approval is for the loan, not the car. Offers are typically valid 30 to 60 days.*

Already a member? Check your inbox first. Ahead of member car sale events we send personalized pre-approval notices with your name, amount, and rate already spelled out. And before you apply, run your numbers on our calculators.

*Not all will qualify. All loans subject to approval.

★★★★★
“This place is AMAZING. They are prompt, professional, and fun. Definitely go above and beyond what is expected. I cannot imagine using a different institution.”

Victoria D.South Tacoma Branch

Common Questions

Auto Loan Questions, Answered

Everything you need to know before you apply.

New (current model year, under 5,000 miles) and used vehicles, plus motorcycles, RVs, motorhomes, boats, and travel trailers.
Your APR is based on creditworthiness, vehicle age, and loan term. Shorter terms and higher credit scores get lower rates. Discounts up to 1.25% APR are available for military, autopay, and debt protection.
0.50% for active-duty military, veterans, and first responders; 0.75% for autopay from an ACU account with qualifying direct deposit; 0.50% for external ACH or ACU autopay; 0.25% for debt protection. Maximum aggregate discount: 1.25% APR.
ACU's First-Time Buyer program helps members with limited credit history obtain auto financing by evaluating the full financial picture, not just a credit score. We look at your income, savings, and overall situation.
Minimum $10,000 for terms of 61 to 72 months; minimum $20,000 for terms of 73 to 84 months. Your approved amount is based on creditworthiness and vehicle value.
View your balance, make payments, and set up autopay anytime in the ACU Mobile App or through online banking at youracu.org.
A written commitment from ACU to lend a specific amount at a specific rate and term, issued before you pick a vehicle. It includes your maximum amount, rate, term, estimated payment, and how long the offer is valid, usually 30 to 60 days. You hand it to the dealer and negotiate like a cash buyer.
No. You are approved for a loan, not obligated to take one. If you do not buy, the pre-approval simply expires. The application costs nothing beyond a small, temporary dip in your credit score that recovers on its own, and if the dealer can beat your rate, you are free to take theirs.

Know Your Rate Before You Walk Into the Dealership

ACU auto loan pre-approval puts you in control. Apply in minutes, get your rate, and shop with confidence.

Apply for Auto Loan See All Rates

APR = Annual Percentage Rate. APR received subject to credit approval. The advertised rate is the floor rate based on creditworthiness, vehicle age, and loan term with maximum discounts applied. Not all applicants will qualify for the lowest rate. Rates subject to change without notice. Some restrictions may apply. Interest accrues from date of disbursement. First payment due within 45 days unless otherwise stated. ACU membership with $25 membership pledge required. America's Credit Union NMLS 449181.