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Personal Banking > Personal Loans > Auto Loans

Auto Loans

A wide array of options to help you finance your next vehicle.
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New Vehicle Loans (Current model year or newer and 5,000 miles or less)

0 - 36 Months

APR
3.25% - 12.25%
Estimated Payment Example
$583.89 a month for 36 months, $20,000 loan at 3.25%

37 - 48 Months

APR
3.50% - 12.50%
Estimated Payment Example
$447.18 a month for 48 months, $20,000 loan at 3.50%

49 - 60 Months

APR
3.75% - 12.75%
Estimated Payment Example
$336.14 a month for 60 months, $20,000 loan at 3.75%

60 - 72 Months

APR
4.00% - 5.75%
Estimated Payment Example
$312.96 a month for 72 months, $20,000 loan at 4.00%

73 - 84 months

APR
4.25% - 4.75%
Estimated Payment Example
$275.74 a month for 84 months, $20,000 loan at 4.25%

Used Vehicle Loans (Previous model year or older and over 5,000 miles)

0 - 36 Months

APR
3.50% - 12.50%
Estimated Payment Example
$586.11 a month for 36 months, $20,000 loan at 3.50%

37 - 48 Months

APR
3.75% - 12.75%
Estimated Payment Example
$449.41 a month for 48 months, $20,000 loan at 3.75%

49 - 60 Months

APR
4.00% - 12.00%
Estimated Payment Example
$368.39 a month for 60 months, $20,000 loan at 4.00%

61 - 72 months

APR
4.25% - 5.50%
Estimated Payment Example
$315.25 a month for 72 months, $20,000 loan at 4.25%

73 - 84 months

APR
4.50% - 5.00%
Estimated Payment Example
$278.06 a month for 84 months, $20,000 loan at 4.50%

First Time Buyer Program

0 - 60 Months

APR
7.24% - 7.74%
Estimated Payment Example
$398.41 a month for 60 months, $20,000 loan at 7.24%

61 - 72 Months

APR
7.74% - 8.24%
Estimated Payment Example
$348.25 a month for 72 months, $20,000 loan at 7.74%

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

0 - 60 Months

APR
4.99% - 7.99%
Estimated Payment Example
$660.47 a month for 60 months, $35,000 loan at 4.99%

61 - 84 Months

APR
5.24% - 8.24%
Estimated Payment Example
$498.76 a month for 72 months, $35,000 loan at 5.24%

85 - 120 Months

APR
5.49% - 8.49%
Estimated Payment Example
$379.78 a month for 84 months, $35,000 loan at 5.49%

121 - 144 Months

APR
5.74% - 8.74%
Estimated Payment Example
$332.49 a month for 144 months, $35,000 loan at 5.74%

145 - 180 Months

APR
5.99% - 8.99%
Estimated Payment Example
$295.28 a month for 180 months, $35,000 loan at 5.99%

Motorcycle Loans

0 - 36 Months

APR
3.49% - 6.24%
Estimated Payment Example
$586.02 a month for 36 months, $20,000 loan at 3.49%

37 - 48 Months

APR
3.74% - 6.49%
Estimated Payment Example
$449.32 a month for 48 months, $20,000 loan at 3.74%

49 - 60 Months

APR
3.99% - 6.74%
Estimated Payment Example
$368.30 a month for 60 months, $20,000 loan at 4.99%

61 - 72 Months

APR
4.24% - 5.74%
Estimated Payment Example
$315.16 a month for 72 months, $20,000 loan at 4.24%

73 - 84 Months

APR
4.49% - 4.49%
Estimated Payment Example
$277.97 a month for 84 months, $20,000 loan at 4.49%

Vehicle discounts

Vehicle Loan Rate Discounts

Deduction

0.25% for Active Duty Military and Veterans
0.25% for Automatic Payment
0.25% for Debt Protection

*Credit and collateral are subject to approval. Rates are subject to change and are based on creditworthiness, so your rates may differ. Membership share savings is required with minimum $25 deposit.

 

Auto Loans:

  • $10,000+ minimum amount financed for 61-72 months.
  • $20,000+ minimum amount financed for 73-84 months.

RV/Boat:

  • Up to 84 Month Term Minimum Loan amount of $25K.
  • 85-120 Month Term Minimum Loan Amount of $35K.
  • 121-180 Month Term Minimum Loan Amount of $50K+
  • Maximum age 10 years and maximum mileage of 100K.
  • Boat and recreational vehicles must be used for recreational purposes only.

Motorcycle:

  • 60 Month Term Minimum Loan amount of $10K
  • 61-72 Month Term Minimum Loan amount of $20K
  • 73-84 Month Term Minimum Loan amount of $25K+
  • Maximum age 7 years and maximum mileage of 50K

Auto First Time Buyer

  • Rates apply to 0 scores and thin files. Thin file is defined as either less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Authorized user and deferred payment accounts are not considered active trade lines.
  • Maximum loan amount $20K. May require cash down.
  • 61-72 Month Term Minimum Loan Amount of $15K+

 

For more information, please visit our branch or call us at 253-964-3113.

ACU Vehicle Loans

Payment Options

Skip a Payment

If you have an ACU loan, you may be eligible to skip some payments and use the extra cash for unexpected bills or other expenses. Learn more about our Skip a Payment option.

Online Loan Payment Option

Register for our convenient online loan payment option, which costs just $12 per payment. All payments made prior to 6:00 p.m. PST will be processed on the same day.

Make a Payment

Loan Protection

When you’re facing an unexpected life event, the last thing you need is added financial stress. That’s why we offer several loan protection options to help you pay or postpone your debt in case of a sudden setback. Our options include:

Member’s Choice Borrower Security*

This voluntary loan payment protection option offers relief from the financial burden of delinquency, default, or foreclosure in certain situations. ACU will cancel or reduce repayment of your loan debt if a protected life event happens to you as a borrower or co-borrower. Protected events include loss of life or disability (including those caused by acts of war) and involuntary unemployment.

*Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact ACU for a full explanation of the terms of Debt Protection.

Guaranteed Asset Protection (GAP)

GAP covers the balance on your loan in the event of a total loss of your vehicle. This is important because most insurance policies only pay the cash value of the vehicle at the time of the loss, which includes depreciation. So your remaining loan balance could be much greater than the insurance check you receive for your damaged vehicle — yet you would still be responsible for paying the entire loan amount. In this case, your GAP option would cover that balance difference for you.

Major Mechanical Protection (MMP)

MMP provides protection against mechanical breakdowns above and beyond the original manufacturer’s warranty. This protects your investment and provides peace of mind by reducing the possibility of out-of-pocket expenses when your vehicle has an unexpected mechanical issue.

Refinancing? See how much you can save!

Looking to refinance your current auto loan? Use our comparison tool to see how much you could save by refinancing your auto loan with ACU.

Loan Calculators

The following tools can help you answer such questions as:

Car Buying Resources

AskAuto – Mobile Loan App
We offer a powerful tool that can help make your car shopping experience easier. It’s the AskAuto app. With AskAuto you can scan the VIN on a car to get the average retail cost and EPA mileage estimates, compare, rank and save notes on vehicles you like, learn which loans might be the best for you, and apply for a loan anytime, anywhere using your mobile device. Take the AskAuto app for a test drive. Download the free app for iPhone, iPad, and Android devices. Be sure to select ACU on the app’s startup screen.

CARFAX Vehicle History Report
Before you buy a vehicle, protect yourself with a CARFAX report. For only $20, you will receive a report tracking the life cycle of the chosen vehicle by VIN. The report will alert you of accidents, odometer rollbacks, service records, airbag deployment, manufacturer recalls, multiple owners, personal or business use of vehicle, total loss, flood damage, and branded titles. Contact us for your CARFAX report.

CU Road Pal
CU Road Pal was created exclusively for credit union members and provides unparalleled service and unprecedented value in roadside assistance protection. For less than $1 per week*, CU Road Pal offers a wide range of roadside assistance services and other benefits. This is a significant savings as compared to competing auto club plans.

From little incidents like being locked out of your vehicle to bigger troubles like needing a tow truck, CU Road Pal is here, 24/7, to help get you back on the road quickly. Professional roadside assistance staff are just a phone call away and are ready and waiting to assist you 24 hours a day/365 days a year. Your safety and uninterrupted driving pleasure is our number one goal. We are always here when you need us. Visit www.lovemycreditunion.org to learn more.

Auto Concierge

Leave your car-buying stress behind

ACU Auto Concierge provides you a real person who will locate the vehicle you’re interested in, schedule a test drive, and get you on the road without the hassle of negotiation, and the uncertainty of not knowing if you’re truly getting a good deal.
Learn More
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