Vehicle Loan Rates

Current as of April 1st, 2021

New Vehicle Loans (Current 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

First Time Buyer Program
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.

Vehicle Loans – Policies, Terms & 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

Auto / Truck Loans

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