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The Best 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 5/1/2021. 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 2015 & Older

Length of term Annual Percentage Rate (APR)**
TEXT
Up to 24 months
TEXT
as low as 1.49%
TEXT
25 to 36 months
TEXT
as low as 1.99%
TEXT
37 to 60 months
TEXT
as low as 2.14%
TEXT
61 to 72 months
TEXT
as low as 2.74%
TEXT
73 to 84 months
TEXT
as low as 3.29%
Effective May 1, 2021
Length of term

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.49%

Length of term

25 to 36 months

Annual Percentage Rate (APR)**

as low as 1.99%

Length of term

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.14%

Length of term

61 to 72 months

Annual Percentage Rate (APR)**

as low as 2.74%

Length of term

73 to 84 months

Annual Percentage Rate (APR)**

as low as 3.29%

Effective May 1, 2021

**Annual Percentage Rates are effective as of 5/1/2021. 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 May 1, 2021
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 May 1, 2021

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 May 1, 2021
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 May 1, 2021

*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® Gold Rewards
TEXT
11.90%
TEXT
VISA® Classic
TEXT
12.99%
TEXT
VISA® Classic Rewards
TEXT
14.90%
Effective May 1, 2021
Loan Type

VISA® Platinum

Annual Percentage Rate (APR)

9.99%

Loan Type

VISA® Gold Rewards

Annual Percentage Rate (APR)

11.90%

Loan Type

VISA® Classic

Annual Percentage Rate (APR)

12.99%

Loan Type

VISA® Classic Rewards

Annual Percentage Rate (APR)

14.90%

Effective May 1, 2021

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 1.79%
TEXT
25 to 36 months
TEXT
as low as 2.29%
TEXT
37 to 60 months
TEXT
as low as 2.44%
Effective May 1, 2021
Length of Term, New and Used

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.79%

Length of Term, New and Used

25 to 36 months

Annual Percentage Rate (APR)**

as low as 2.29%

Length of Term, New and Used

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.44%

Effective May 1, 2021

**Annual Percentage Rates are effective as of 5/1/2021. Rates shown include discounts of up to 0.40% 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 1.79%
TEXT
25 to 36 months
TEXT
as low as 2.29%
TEXT
37 to 60 months
TEXT
as low as 2.44%
Effective May 1, 2021
Length of Term, New and Used

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.79%

Length of Term, New and Used

25 to 36 months

Annual Percentage Rate (APR)**

as low as 2.29%

Length of Term, New and Used

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.44%

Effective May 1, 2021

**Annual Percentage Rates are effective as of 5/1/2021. Rates shown include discounts of up to 0.40% 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 1.79%
TEXT
25 to 36 months
TEXT
as low as 2.29%
TEXT
37 to 60 months
TEXT
as low as 2.44%
TEXT
61 to 72 months
TEXT
as low as 3.04%
TEXT
73 to 84 months; min. $50k
TEXT
as low as 3.59%
TEXT
85 to 96 months; min. $50k
TEXT
as low as 5.29%
TEXT
97 to 120 months; min. $50k
TEXT
as low as 6.29%
Effective May 1, 2021
Length of Term, New and Used

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.79%

Length of Term, New and Used

25 to 36 months

Annual Percentage Rate (APR)**

as low as 2.29%

Length of Term, New and Used

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.44%

Length of Term, New and Used

61 to 72 months

Annual Percentage Rate (APR)**

as low as 3.04%

Length of Term, New and Used

73 to 84 months; min. $50k

Annual Percentage Rate (APR)**

as low as 3.59%

Length of Term, New and Used

85 to 96 months; min. $50k

Annual Percentage Rate (APR)**

as low as 5.29%

Length of Term, New and Used

97 to 120 months; min. $50k

Annual Percentage Rate (APR)**

as low as 6.29%

Effective May 1, 2021

**Annual Percentage Rates are effective as of 5/1/2021. Rates shown include discounts of up to 0.40% 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.