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ACU Loan Rates

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!

 

Loan Rates

Auto Loan Rates

View the Auto Loan Page for details.

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 2.39%
TEXT
61 to 72 months
TEXT
as low as 2.99%
TEXT
73 to 84 months
TEXT
as low as 3.29%
Effective October 1, 2020
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 2.39%

Length of Term

61 to 72 months

Annual Percentage Rate (APR)**

as low as 2.99%

Length of Term

73 to 84 months

Annual Percentage Rate (APR)**

as low as 3.29%

Effective October 1, 2020

**Annual Percentage Rates are effective as of 10/1/2020. Rates shown include discounts of up to 0.70% that are available. 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 2.39%
TEXT
61 to 72 months
TEXT
as low as 2.99%
TEXT
73 to 84 months
TEXT
as low as 3.29%
Effective October 1, 2020
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 2.39%

Length of term

61 to 72 months

Annual Percentage Rate (APR)**

as low as 2.99%

Length of term

73 to 84 months

Annual Percentage Rate (APR)**

as low as 3.29%

Effective October 1, 2020

**Annual Percentage Rates are effective as of 10/1/2020. Rates shown include discounts of up to 0.70% that are available. 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 October 1, 2020
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 October 1, 2020

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 7.99%
TEXT
Signature - 37 to 48 months
TEXT
as low as 9.99%
TEXT
Signature - 49 to 60 months
TEXT
as low as 9.99%
TEXT
Line of Credit
TEXT
as low as 10.99%
Effective October 1, 2020
Loan Type

Signature - Up to 36 months

Annual Percentage Rate (APR)*

as low as 7.99%

Loan Type

Signature - 37 to 48 months

Annual Percentage Rate (APR)*

as low as 9.99%

Loan Type

Signature - 49 to 60 months

Annual Percentage Rate (APR)*

as low as 9.99%

Loan Type

Line of Credit

Annual Percentage Rate (APR)*

as low as 10.99%

Effective October 1, 2020

*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® Classic
TEXT
14.90%
TEXT
VISA® Classic Secured
TEXT
14.90%
TEXT
VISA® Gold
TEXT
11.90%
Effective October 1, 2020
Loan Type

VISA® Classic

Annual Percentage Rate (APR)

14.90%

Loan Type

VISA® Classic Secured

Annual Percentage Rate (APR)

14.90%

Loan Type

VISA® Gold

Annual Percentage Rate (APR)

11.90%

Effective October 1, 2020

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 1.49%
TEXT
25 to 36 months
TEXT
as low as 1.99%
TEXT
37 to 60 months
TEXT
as low as 2.39%
Effective October 1, 2020
Length of Term, New and Used

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.49%

Length of Term, New and Used

25 to 36 months

Annual Percentage Rate (APR)**

as low as 1.99%

Length of Term, New and Used

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.39%

Effective October 1, 2020

**Annual Percentage Rates are effective as of 10/1/2020. Rates shown include discounts of up to 0.70% that are available. 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 1.49%
TEXT
25 to 36 months
TEXT
as low as 1.99%
TEXT
37 to 60 months
TEXT
as low as 2.39%
Effective October 1, 2020
Length of Term, New and Used

Up to 24 months

Annual Percentage Rate (APR)**

as low as 1.49%

Length of Term, New and Used

25 to 36 months

Annual Percentage Rate (APR)**

as low as 1.99%

Length of Term, New and Used

37 to 60 months

Annual Percentage Rate (APR)**

as low as 2.39%

Effective October 1, 2020

**Annual Percentage Rates are effective as of 10/1/2020. Rates shown include discounts of up to 0.70% that are available. 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 60 months
TEXT
as low as 2.39%
TEXT
61 to 72 months
TEXT
as low as 2.99%
TEXT
73 to 84 months; min. $50k
TEXT
as low as 3.29%
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 October 1, 2020
Length of Term, New and Used

Up to 60 months

Annual Percentage Rate (APR)**

as low as 2.39%

Length of Term, New and Used

61 to 72 months

Annual Percentage Rate (APR)**

as low as 2.99%

Length of Term, New and Used

73 to 84 months; min. $50k

Annual Percentage Rate (APR)**

as low as 3.29%

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 October 1, 2020

**Annual Percentage Rates are effective as of 10/1/2020. Rates shown include discounts of up to 0.70% that are available. 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.