All Lending Rates

Current as of February 20, 2024
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New & Used Auto Loans

0 - 36 Months

APR
6.96% - 15.05%
Estimated Payment Example
$617 a month for 36 months, $20,000 loan at 6.96%

37 - 48 Months

APR
7.77% - 15.65%
Estimated Payment Example
$486 a month for 48 months, $20,000 loan at 7.77%

49 - 60 Months

APR
8.43% - 16.31%
Estimated Payment Example
$410 a month for 60 months, $20,000 loan at 8.43%

61 - 72 Months

APR
9.24% - 14.43%
Estimated Payment Example
$363 a month for 72 months, $20,000 loan at 9.24%

73 - 84 months

APR
10.15% - 10.65%
Estimated Payment Example
$334 a month for 84 months, $20,000 loan at 10.15%

Vehicle Loan Rate Discounts

Deduction

0.50% for Active-Duty Military, Military Veterans, and First-Responders
0.25% for Debt Protection
0.50% for external ACH payment or ACU autopay without direct deposit.
0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment
Max aggregate discount allowed = 1.50%

First Time Buyer Program

0 - 60 Months

APR
12.32%
Estimated Payment Example
$438 a month for 60 months, $20,000 loan at 11.32%

61 - 72 Months

APR
13.85%
Estimated Payment Example
$454 a month for 72 months, $20,000 loan at 12.85%

Vehicle Loan Rate Discounts

Deduction

0.50% for Active-Duty Military, Military Veterans, and First-Responders
0.25% for Debt Protection
0.50% for external ACH payment or ACU autopay without direct deposit.
0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment
Max aggregate discount allowed = 1.50%

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

0 - 60 Months

APR
8.90% - 11.90%
Estimated Payment Example
$725 a month for 60 months, $35,000 loan at 8.90%

61 - 84 Months

APR
10.50% - 13.50%
Estimated Payment Example
$590 a month for 84 months, $35,000 loan at 10.50%

85 - 120 Months

APR
12.10% - 15.10%
Estimated Payment Example
$504 a month for 84 months, $35,000 loan at 12.10%

121 - 144 Months

APR
13.70% - 16.70%
Estimated Payment Example
$496 a month for 144 months, $35,000 loan at 13.70%

145 - 180 Months

APR
15.30% - 18.00%
Estimated Payment Example
$497 a month for 180 months, $35,000 loan at 15.30%

Motorcycle Loans

0 - 36 Months

APR
8.05% - 10.80%
Estimated Payment Example
$627 a month for 36 months, $20,000 loan at 8.05%

37 - 48 Months

APR
8.82% - 11.57%
Estimated Payment Example
$496 a month for 48 months, $20,000 loan at 8.82%

49 - 60 Months

APR
9.36% - 12.11%
Estimated Payment Example
$419 a month for 60 months, $20,000 loan at 9.36%

61 - 72 Months

APR
10.30% - 11.80%
Estimated Payment Example
$374 a month for 72 months, $20,000 loan at 10.30%

73 - 84 Months

APR
10.94% - 10.94%
Estimated Payment Example
$342 a month for 84 months, $20,000 loan at 10.94%

Personal Loans

0 - 24 Months

APR
10.23% - 18.00%
Estimated Payment Example
$231 a month for 24 months, $5,000 loan at 10.23%

25 - 36 Months

APR
10.48% - 14.73%
Estimated Payment Example
$162 a month for 36 months, $5,000 loan at 10.48%

37 - 48 Months

APR
11.46% - 15.71%
Estimated Payment Example
$130 a month for 48 months, $5,000 loan at 11.46%

49 - 60 Months

APR
12.51% - 16.76%
Estimated Payment Example
$113 a month for 60 months, $5,000 loan at 12.51%

61 - 72 Months

APR
14.25% - 15.75%
Estimated Payment Example
$207 a month for 72 months, $10,000 loan at 14.25%

73 - 84 Months

APR
14.50% - 15.00%
Estimated Payment Example
$380 a month for 84 months, $20,000 loan at 14.50%

Secured Loans

0 - 120 Months Max

APR
3.00% above the Certificate of Deposit Dividend Rate%
Estimated Payment Example
$46 a month based on 5 years, $2500 loan at 4.00% APR

0 - 120 Months

APR
3.00% above the Dividend Rate%
Estimated Payment Example
$46 a month based on 5 years, $2500 loan at 4.00% APR

Visa

Visa Platinum

Interest Rates & Charges

APR | 10.54 – 18.00% based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.
APR for Balance Transfers | 1.54% Introductory APR for 180 days

Visa Platinum Rewards

Interest Rates & Charges

APR for Purchases | 11.54 – 18.00% based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.
APR for Balance Transfers | 1.54% Introductory APR for 180 days

Visa Green Rewards

Interest Rates & Charges

APR | 15.99% based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.
APR for Balance Transfers | 11.99% Fixed

Home Improvement Loans

12 - 60 Months

APR
12.51%
Estimated Payment Example
$225 a month for 60 months, $10,000 loan at 12.51%

61 - 120 Months

APR
14.25%
Estimated Payment Example
$157 a month for 120 months, $10,000 loan at 14.25%

121 - 180 Months

APR
15.00%
Estimated Payment Example
$350 a month for 180 months, $25,000 loan at 15.00%