Vehicle Loan Rates

Current as of May 1, 2024
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New & Used Auto Loans

0 - 36 Months

APR
6.71% - 14.71%
Estimated Payment Example
$615 a month for 36 months, $20,000 loan at 6.71%

37 - 48 Months

APR
7.27% - 15.27%
Estimated Payment Example
$481 a month for 48 months, $20,000 loan at 7.27%

49 - 60 Months

APR
7.43% - 15.43%
Estimated Payment Example
$400 a month for 60 months, $20,000 loan at 7.43%

61 - 72 Months

APR
7.49% - 13.64%
Estimated Payment Example
$346 a month for 72 months, $20,000 loan at 7.49%

73 - 84 months

APR
8.40% - 8.90%
Estimated Payment Example
$316 a month for 84 months, $20,000 loan at 8.40%

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%

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%

Vehicle Discounts

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
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 5.10% to include all possible discounts for autos
  • Floor rate of 6.55% to include all possible discounts for motorcycles
  • Floor rate of 7.50% 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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