Vehicle Loan Rates

Current as of November 16, 2022
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New & Used Auto Loans

0 - 36 Months

APR
4.59% - 13.59%
Estimated Payment Example
$596 a month for 36 months, $20,000 loan at 4.59%

37 - 48 Months

APR
5.95% - 14.95%
Estimated Payment Example
$469 a month for 48 months, $20,000 loan at 5.95%

49 - 60 Months

APR
6.20% - 15.20%
Estimated Payment Example
$389 a month for 60 months, $20,000 loan at 6.20%

61 - 72 Months

APR
6.45% - 8.20%
Estimated Payment Example
$336 a month for 72 months, $20,000 loan at 6.45%

73 - 84 months

APR
6.70% - 7.20%
Estimated Payment Example
$299 a month for 84 months, $20,000 loan at 6.70%

First Time Buyer Program

0 - 60 Months

APR
7.24% - 7.74%
Estimated Payment Example
$398 a month for 60 months, $20,000 loan at 7.24%

61 - 72 Months

APR
7.74% - 8.24%
Estimated Payment Example
$348 a month for 72 months, $20,000 loan at 7.74%

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

0 - 60 Months

APR
6.64% - 9.64%
Estimated Payment Example
$687 a month for 60 months, $35,000 loan at 6.64%

61 - 84 Months

APR
6.79% - 9.79%
Estimated Payment Example
$525 a month for 72 months, $35,000 loan at 6.79%

85 - 120 Months

APR
6.94% - 9.94%
Estimated Payment Example
$405 a month for 84 months, $35,000 loan at 6.94%

121 - 144 Months

APR
7.09% - 10.09%
Estimated Payment Example
$362 a month for 144 months, $35,000 loan at 7.09%

145 - 180 Months

APR
7.24% - 10.24%
Estimated Payment Example
$319 a month for 180 months, $35,000 loan at 7.24%

Motorcycle Loans

0 - 36 Months

APR
6.13% - 8.88%
Estimated Payment Example
$610 a month for 36 months, $20,000 loan at 6.13%

37 - 48 Months

APR
6.38% - 9.13%
Estimated Payment Example
$473 a month for 48 months, $20,000 loan at 6.38%

49 - 60 Months

APR
6.63% - 9.38%
Estimated Payment Example
$393 a month for 60 months, $20,000 loan at 6.63%

61 - 72 Months

APR
6.88% - 9.63%
Estimated Payment Example
$340 a month for 72 months, $20,000 loan at 6.88%

73 - 84 Months

APR
7.13% - 7.13%
Estimated Payment Example
$303 a month for 84 months, $20,000 loan at 7.13%

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 motorcycle age = 7 years; Max motorcycle mileage = 50,000
  • Refer to “First Time Buyer Program” for “0” FICO scores
  • Floor rate of 3.84% to include all possible discounts for autos
  • Floor rate of 5.38% to include all possible discounts for motorcycles
  • Floor rate of 5.89% 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

Auto / Truck Loans

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