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      The Best Loan Rates at ACU

      At America's Credit Union we update our rates often to be able to offer our member-owners the lowest loan rates. If you're looking for great rates from a local, community-based credit union, you're in the right spot!

       

      Auto Loan Rates

      View the Auto Loan Page for details.

      **Annual Percentage Rates are effective as of 10/23/2023. Rates shown include discounts of up to 0.70% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

      Vehicles 2023 & Older

      Length of term Annual Percentage Rate (APR)**
      TEXT
      Up to 24 months
      TEXT
      as low as 4.94%
      TEXT
      25 to 36 months
      TEXT
      as low as 5.44%
      TEXT
      37 to 48 months
      TEXT
      as low as 5.64%
      TEXT
      49 to 60 months
      TEXT
      as low as 6.09%
      TEXT
      61 to 72 months
      TEXT
      as low as 6.69%
      TEXT
      73 to 84 months
      TEXT
      as low as 7.14%
      Effective October 23, 2023
      Length of term

      Up to 24 months

       Annual Percentage Rate (APR)**

      as low as 4.94%
      Length of term

      25 to 36 months

       Annual Percentage Rate (APR)**

      as low as 5.44%
      Length of term

      37 to 48 months

       Annual Percentage Rate (APR)**

      as low as 5.64%
      Length of term

      49 to 60 months

       Annual Percentage Rate (APR)**

      as low as 6.09%
      Length of term

      61 to 72 months

       Annual Percentage Rate (APR)**

      as low as 6.69%
      Length of term

      73 to 84 months

       Annual Percentage Rate (APR)**

      as low as 7.14%
      Effective October 23, 2023

      **Annual Percentage Rates are effective as of 10/23/2023. Rates shown include discounts of up to 0.70% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines. 

      Savings Secured Loan Rates

      View the Savings Secured Loan Page for details.

      Collateral Account Term Annual Percentage Rate (APR)
      TEXT
      Share Savings Account
      TEXT
      Up to 60 months
      TEXT
      4.00%
      TEXT
      Certificate of Deposit
      TEXT
      CD Maturity
      TEXT
      2.50% over Certificate of Deposit rate
      Effective July 25, 2022
      Collateral Account

      Share Savings Account

       Term

      Up to 60 months

       Annual Percentage Rate (APR)

      4.00%
      Collateral Account

      Certificate of Deposit

       Term

      CD Maturity

       Annual Percentage Rate (APR)

      2.50% over Certificate of Deposit rate
      Effective July 25, 2022

      Questions? Call 1-800-543-2811.

      Personal (Signature) Loan Rates

      View the Personal Loans Page for details.

      Loan Type Annual Percentage Rate (APR)*
      TEXT
      Signature - Up to 36 months
      TEXT
      as low as 9.99%
      TEXT
      Signature - 37 to 48 months
      TEXT
      as low as 10.99%
      TEXT
      Signature - 49 to 60 months
      TEXT
      as low as 11.99%
      TEXT
      Line of Credit
      TEXT
      as low as 10.99%
      Effective June 30, 2023
      Loan Type

      Signature - Up to 36 months

       Annual Percentage Rate (APR)*

      as low as 9.99%
      Loan Type

      Signature - 37 to 48 months

       Annual Percentage Rate (APR)*

      as low as 10.99%
      Loan Type

      Signature - 49 to 60 months

       Annual Percentage Rate (APR)*

      as low as 11.99%
      Loan Type

      Line of Credit

       Annual Percentage Rate (APR)*

      as low as 10.99%
      Effective June 30, 2023

      *Actual rate is based on loan term and credit rating of the member. All rates and yields are subject to change. Questions? Call 1-800-543-2811.

      Credit Card Rates 

      Loan Type Annual Percentage Rate (APR)
      TEXT
      VISA® Platinum
      TEXT
      9.99%
      TEXT
      VISA® Classic
      TEXT
      12.99%
      Effective July 25, 2022
      Loan Type

      VISA® Platinum

       Annual Percentage Rate (APR)

      9.99%
      Loan Type

      VISA® Classic

       Annual Percentage Rate (APR)

      12.99%
      Effective July 25, 2022

      Click Here for the Credit Card Agreement and Disclosure Statement for your VISA® Account.

      Motorcycle, ATV, UTV Loan Rates

      View the Motorcycle, ATV, UTV Page for details.

      Length of Term, New and Used Annual Percentage Rate (APR)**
      TEXT
      Up to 24 months
      TEXT
      as low as 5.34%
      TEXT
      25 to 36 months
      TEXT
      as low as 5.84%
      TEXT
      37 to 48 months
      TEXT
      as low as 6.04%
      TEXT
      49 to 60 months
      TEXT
      as low as 6.49%
      Effective October 23, 2023
      Length of Term, New and Used

      Up to 24 months

       Annual Percentage Rate (APR)**

      as low as 5.34%
      Length of Term, New and Used

      25 to 36 months

       Annual Percentage Rate (APR)**

      as low as 5.84%
      Length of Term, New and Used

      37 to 48 months

       Annual Percentage Rate (APR)**

      as low as 6.04%
      Length of Term, New and Used

      49 to 60 months

       Annual Percentage Rate (APR)**

      as low as 6.49%
      Effective October 23, 2023

      **Annual Percentage Rates are effective as of 10/23/2023. Rates shown include discounts of up to 0.30% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

      Personal Watercraft Loan Rates

      View the Personal Watercraft Page for details.

      Length of Term, New and Used Annual Percentage Rate (APR)**
      TEXT
      Up to 24 months
      TEXT
      as low as 5.34%
      TEXT
      25 to 36 months
      TEXT
      as low as 5.84%
      TEXT
      37 to 48 months
      TEXT
      as low as 6.04%
      TEXT
      49 to 60 months
      TEXT
      as low as 6.49%
      Effective October 23, 2023
      Length of Term, New and Used

      Up to 24 months

       Annual Percentage Rate (APR)**

      as low as 5.34%
      Length of Term, New and Used

      25 to 36 months

       Annual Percentage Rate (APR)**

      as low as 5.84%
      Length of Term, New and Used

      37 to 48 months

       Annual Percentage Rate (APR)**

      as low as 6.04%
      Length of Term, New and Used

      49 to 60 months

       Annual Percentage Rate (APR)**

      as low as 6.49%
      Effective October 23, 2023

      **Annual Percentage Rates are effective as of 10/23/2023. Rates shown include discounts of up to 0.30% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

      Recreational Vehicles (RV) and Boat Loan Rates

      View the RV and Boat Loan Page for details.

      Length of Term, New and Used Annual Percentage Rate (APR)**
      TEXT
      Up to 24 months
      TEXT
      as low as 5.34%
      TEXT
      25 to 36 months
      TEXT
      as low as 5.84%
      TEXT
      37 to 48 months
      TEXT
      as low as 6.04%
      TEXT
      49 to 60 months
      TEXT
      as low as 6.49%
      TEXT
      61 to 72 months
      TEXT
      as low as 7.09%
      TEXT
      73 to 84 months; min. $50k
      TEXT
      as low as 9.54%
      TEXT
      85 to 96 months; min. $50k
      TEXT
      as low as 10.54%
      TEXT
      97 to 120 months; min. $50k
      TEXT
      as low as 11.54%
      Effective October 23, 2023
      Length of Term, New and Used

      Up to 24 months

       Annual Percentage Rate (APR)**

      as low as 5.34%
      Length of Term, New and Used

      25 to 36 months

       Annual Percentage Rate (APR)**

      as low as 5.84%
      Length of Term, New and Used

      37 to 48 months

       Annual Percentage Rate (APR)**

      as low as 6.04%
      Length of Term, New and Used

      49 to 60 months

       Annual Percentage Rate (APR)**

      as low as 6.49%
      Length of Term, New and Used

      61 to 72 months

       Annual Percentage Rate (APR)**

      as low as 7.09%
      Length of Term, New and Used

      73 to 84 months; min. $50k

       Annual Percentage Rate (APR)**

      as low as 9.54%
      Length of Term, New and Used

      85 to 96 months; min. $50k

       Annual Percentage Rate (APR)**

      as low as 10.54%
      Length of Term, New and Used

      97 to 120 months; min. $50k

       Annual Percentage Rate (APR)**

      as low as 11.54%
      Effective October 23, 2023

      **Annual Percentage Rates are effective as of 10/23/2023. Rates shown include discounts of up to 0.30% that are available. Said discounts require qualifying products and/or services. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

      Mortgage and Home Equity Loan Rates

      We offer a range of mortgage terms available to meet your needs. Please call our Mortgage Department at the Garland, TX Home Office at 972-494-5328 or the Springfield, MO Office at 417-881-0482.


      We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

      eho
      AARP.BankSafe.2023

       

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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

      © America’s Credit Union 2023 All Rights Reserved.