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!
Come visit our new Royal branch location - We are open! For details click here.
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!
**Annual Percentage Rates are effective as of 05/12/2023. 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.
| Length of term | Annual Percentage Rate (APR)** | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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Up to 24 months
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as low as 4.54%
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25 to 36 months
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as low as 5.04%
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37 to 60 months
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as low as 5.19%
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61 to 72 months
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as low as 5.79%
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73 to 84 months
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as low as 6.34%
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| Effective May 12, 2023 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Up to 24 months
Annual Percentage Rate (APR)**as low as 4.54%
25 to 36 months
Annual Percentage Rate (APR)**as low as 5.04%
37 to 60 months
Annual Percentage Rate (APR)**as low as 5.19%
61 to 72 months
Annual Percentage Rate (APR)**as low as 5.79%
73 to 84 months
Annual Percentage Rate (APR)**as low as 6.34%
**Annual Percentage Rates are effective as of 04/14/2023. 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.
View the Savings Secured Loan Page for details.
| Collateral Account | Term | Annual Percentage Rate (APR) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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Share Savings Account
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Up to 60 months
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4.00%
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Certificate of Deposit
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CD Maturity
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2.50% over Certificate of Deposit rate
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| Effective July 25, 2022 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Share Savings Account
TermUp to 60 months
Annual Percentage Rate (APR)4.00%
Certificate of Deposit
TermCD Maturity
Annual Percentage Rate (APR)2.50% over Certificate of Deposit rate
Questions? Call 1-800-543-2811.
| Loan Type | Annual Percentage Rate (APR)* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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Signature - Up to 36 months
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as low as 10.99%
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Signature - 37 to 48 months
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as low as 11.99%
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Signature - 49 to 60 months
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as low as 12.99%
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Line of Credit
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as low as 10.99%
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| Effective July 25, 2022 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Signature - Up to 36 months
Annual Percentage Rate (APR)*as low as 10.99%
Signature - 37 to 48 months
Annual Percentage Rate (APR)*as low as 11.99%
Signature - 49 to 60 months
Annual Percentage Rate (APR)*as low as 12.99%
Line of Credit
Annual Percentage Rate (APR)*as low as 10.99%
*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.
| Loan Type | Annual Percentage Rate (APR) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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VISA® Platinum
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9.99%
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VISA® Classic
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12.99%
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| Effective July 25, 2022 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
VISA® Platinum
Annual Percentage Rate (APR)9.99%
VISA® Classic
Annual Percentage Rate (APR)12.99%
Click Here for the Credit Card Agreement and Disclosure Statement for your VISA® Account.
View the Motorcycle, ATV, UTV Page for details.
| Length of Term, New and Used | Annual Percentage Rate (APR)** | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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Up to 24 months
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as low as 4.84%
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25 to 36 months
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as low as 5.34%
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37 to 60 months
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as low as 5.49%
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| Effective May 12, 2023 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Up to 24 months
Annual Percentage Rate (APR)**as low as 4.84%
25 to 36 months
Annual Percentage Rate (APR)**as low as 5.34%
37 to 60 months
Annual Percentage Rate (APR)**as low as 5.49%
**Annual Percentage Rates are effective as of 05/12/2023. 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.
View the Personal Watercraft Page for details.
| Length of Term, New and Used | Annual Percentage Rate (APR)** | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Up to 24 months
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as low as 4.84%
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25 to 36 months
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as low as 5.34%
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37 to 60 months
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as low as 5.49%
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| Effective May 12, 2023 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Up to 24 months
Annual Percentage Rate (APR)**as low as 4.84%
25 to 36 months
Annual Percentage Rate (APR)**as low as 5.34%
37 to 60 months
Annual Percentage Rate (APR)**as low as 5.49%
**Annual Percentage Rates are effective as of 05/12/2023. 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.
View the RV and Boat Loan Page for details.
| Length of Term, New and Used | Annual Percentage Rate (APR)** | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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Up to 24 months
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as low as 4.84%
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25 to 36 months
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as low as 5.34%
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37 to 60 months
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as low as 5.54%
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61 to 72 months
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as low as 6.09%
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73 to 84 months; min. $50k
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as low as 8.64%
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85 to 96 months; min. $50k
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as low as 9.64%
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97 to 120 months; min. $50k
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as low as 10.64%
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| Effective May 12, 2023 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Up to 24 months
Annual Percentage Rate (APR)**as low as 4.84%
25 to 36 months
Annual Percentage Rate (APR)**as low as 5.34%
37 to 60 months
Annual Percentage Rate (APR)**as low as 5.54%
61 to 72 months
Annual Percentage Rate (APR)**as low as 6.09%
73 to 84 months; min. $50k
Annual Percentage Rate (APR)**as low as 8.64%
85 to 96 months; min. $50k
Annual Percentage Rate (APR)**as low as 9.64%
97 to 120 months; min. $50k
Annual Percentage Rate (APR)**as low as 10.64%
**Annual Percentage Rates are effective as of 05/12/2023. 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.
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.
ACU NMLS ID #562279
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.
