APR
5.21% - 13.21% All Lending Rates
Current as of April 1, 2026
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New & Used Auto Loans
0 - 36 Months
Estimated Payment Example
$601 a month for 36 months, $20,000 loan at 5.21%
37 - 48 Months
APR
5.77% - 13.77% Estimated Payment Example
$468 a month for 48 months, $20,000 loan at 5.77%
49 - 60 Months
APR
5.93% - 13.93% Estimated Payment Example
$386 a month for 60 months, $20,000 loan at 5.93%
61 - 72 Months
APR
5.99% - 14.14% Estimated Payment Example
$331 a month for 72 months, $20,000 loan at 5.99%
73 - 84 months
APR
6.61% - 8.36% Estimated Payment Example
$298 a month for 84 months, $20,000 loan at 6.61%
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 = 1.25%
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 = 1.25%
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
8.24% - 10.99% Estimated Payment Example
$491 a month for 48 months, $20,000 loan at 8.24%
49 - 60 Months
APR
8.74% - 11.49% Estimated Payment Example
$413 a month for 60 months, $20,000 loan at 8.74%
61 - 72 Months
APR
9.25% - 10.75% Estimated Payment Example
$363 a month for 72 months, $20,000 loan at 9.25%
73 - 84 Months
APR
10.30% - 10.30% Estimated Payment Example
$335 a month for 84 months, $20,000 loan at 10.30%
Personal Loans
0 - 24 Months
APR
9.23% - 17.50% Estimated Payment Example
$229 a month for 24 months, $5,000 loan at 9.23%
25 - 36 Months
APR
9.48% - 18.00% Estimated Payment Example
$160 a month for 36 months, $5,000 loan at 9.48%
37 - 48 Months
APR
10.46% - 15.88% Estimated Payment Example
$128 a month for 48 months, $5,000 loan at 10.46%
49 - 60 Months
APR
11.51% - 16.93% Estimated Payment Example
$110 a month for 60 months, $5,000 loan at 11.51%
61 - 72 Months
APR
13.25% - 15.48% Estimated Payment Example
$202 a month for 72 months, $10,000 loan at 13.25%
73 - 84 Months
APR
13.50% - 15.73% Estimated Payment Example
$369 a month for 84 months, $20,000 loan at 13.50%
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 | 8.79 – 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 | 9.79 – 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% fixed annual percentage rate.
APR for Balance Transfers | 11.99% Fixed
*APR=Annual Percentage Rate.
First Time Buyer Program
Rate is eligible for discounts. Rate applied to “0” scores and thin files. Thin file defined as either: less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score.
Vehicle Loans – Policies, Terms & Conditions
- Max motorcycle age = 7 years; Max motorcycle mileage = 50,000
- Refer to “First Time Buyer Program” for “0” FICO scores
- Floor rate of 4.46% to include all possible discounts for autos
- Floor rate of 6.80% to include all possible discounts for motorcycles
- Floor rate of 7.65% 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 61 – 72mos; $20,000 for 73 – 84mos.
- 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 Tier Prime – 2 only and subject to final underwriting. Unless otherwise stated, the first payment must be within 45 days
Learn More about ACU Auto, Truck, and Motorcycle Loans
APR received subject to credit. The advertised rate is the floor rate, and is based on creditworthiness, age of vehicle and terms of the loan with the max discounts applied. Not all will qualify for the lowest rate. Rate can be higher depending on credit performance and subject to change without notice. Some restrictions may apply. Interest will begin to accrue from the date of disbursement. Unless otherwise stated, the first payment must be within 45 days. ACU membership with $25 membership pledge required to open an account. Estimated monthly payment examples: 1. $601/month for 36 months, $20,000 loan at 5.21% APR; 2. $331/month for 72 months, $20,000 loan at 5.99% APR.
View ACU Card terms and conditions here.
APR=Annual Percentage Rate. Your APR for purchases is 8.79% – 18.00% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. See full Visa disclosure or Business Visa disclosure for more information.
Cardholders will earn a one percent (1%) cash reward for every one dollar ($1.00) in net purchases (purchases minus returns/credits) made on your Credit Card Account, rounded to the nearest one cent ($0.01). You do not earn Cash Rewards on cash advances of any kind, balance transfers, any interest or fees, including but not limited to returned payment fees, and late fees. Your Cash Reward balance will be calculated monthly and a rolling total will appear on your Visa statement. Your account must be open and in good standing (not canceled or terminated by either party, not delinquent or otherwise not available to use for charges) at the time of redemption.
View ACU Card terms and conditions here.
America’s Credit Union NMLS 449181