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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 2.49%
TEXT
25 to 36 months
TEXT
as low as 3.29%
TEXT
37 to 60 months
TEXT
as low as 3.49%
TEXT
61 to 72 months
TEXT
as low as 3.89%
TEXT
73 to 84 months
TEXT
as low as 4.69%
Effective July 1, 2019
Length of Term

Up to 24 months

Annual Percentage Rate (APR)

as low as 2.49%

Length of Term

25 to 36 months

Annual Percentage Rate (APR)

as low as 3.29%

Length of Term

37 to 60 months

Annual Percentage Rate (APR)

as low as 3.49%

Length of Term

61 to 72 months

Annual Percentage Rate (APR)

as low as 3.89%

Length of Term

73 to 84 months

Annual Percentage Rate (APR)

as low as 4.69%

Effective July 1, 2019

*Actual rate is based on loan term and credit rating of the member. All rates and yields are subject to change. Rate and term based on year and mileage of the vehicle. 73 to 84-month terms are for vehicles $50k & above, max 100% financing (NADA Retail or MSRP), new vehicles only 10,000 miles or less. Questions? Call 1-800-543-2811.

Vehicles 2014 & Older

Year Model Length of term Annual Percentage Rate (APR)
TEXT
2014 and Older
TEXT
Up to 48 Months
TEXT
as low as 3.99%
Effective July 1, 2019
Year Model

2014 and Older

Length of term

Up to 48 Months

Annual Percentage Rate (APR)

as low as 3.99%

Effective July 1, 2019

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


Savings Secured Loan Rates

View the Savings Secured Loan Page for details.

Collateral Account Term Rate
TEXT
Share Savings Account
TEXT
Up to 12 months.
TEXT
3.00% above regular Share Savings rate.
TEXT
Share Savings Account
TEXT
13 to 24 months.
TEXT
3.50% above regular Share Savings rate.
TEXT
Share Savings Account
TEXT
25 to 36 months.
TEXT
3.75% above regular Share Savings rate.
TEXT
Certificate of Deposit
TEXT
Up to 36 months.
TEXT
2.50% over Certificate of Deposit rate.
Effective July 1, 2019
Collateral Account

Share Savings Account

Term

Up to 12 months.

Rate

3.00% above regular Share Savings rate.

Collateral Account

Share Savings Account

Term

13 to 24 months.

Rate

3.50% above regular Share Savings rate.

Collateral Account

Share Savings Account

Term

25 to 36 months.

Rate

3.75% above regular Share Savings rate.

Collateral Account

Certificate of Deposit

Term

Up to 36 months.

Rate

2.50% over Certificate of Deposit rate.

Effective July 1, 2019

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 24 months
TEXT
as low as 9.00%
TEXT
Signature - 25 to 48 months
TEXT
as low as 9.50%
TEXT
Signature - 49 to 60 months
TEXT
as low as 10.00%
TEXT
Line of Credit
TEXT
as low as 10.99%
Effective July 1, 2019
Loan Type

Signature - Up to 24 months

Annual Percentage Rate (APR)

as low as 9.00%

Loan Type

Signature - 25 to 48 months

Annual Percentage Rate (APR)

as low as 9.50%

Loan Type

Signature - 49 to 60 months

Annual Percentage Rate (APR)

as low as 10.00%

Loan Type

Line of Credit

Annual Percentage Rate (APR)

as low as 10.99%

Effective July 1, 2019

*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
14.9%
TEXT
VISA® Classic Secured
TEXT
14.9%
TEXT
VISA® Gold
TEXT
11.9%
Effective July 1, 2019
Loan Type

VISA® Classic

Annual Percentage Rate (APR)

14.9%

Loan Type

VISA® Classic Secured

Annual Percentage Rate (APR)

14.9%

Loan Type

VISA® Gold

Annual Percentage Rate (APR)

11.9%

Effective July 1, 2019

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.

Loan Type Annual Percentage Rate (APR)
TEXT
New Motorcycles, ATV, UTV - up to 60 months
TEXT
as low as 4.99%
TEXT
Used Motorcycles, ATV, UTV - up to 48 months
TEXT
as low as 4.99%
Effective July 1, 2019
Loan Type

New Motorcycles, ATV, UTV - up to 60 months

Annual Percentage Rate (APR)

as low as 4.99%

Loan Type

Used Motorcycles, ATV, UTV - up to 48 months

Annual Percentage Rate (APR)

as low as 4.99%

Effective July 1, 2019

*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.


Personal Watercraft Loan Rates

View the Personal Watercraft Page for details.

Loan Type Annual Percentage Rate (APR)
TEXT
New Personal Watercraft - up to 60 months
TEXT
as low as 4.99%
TEXT
Used Personal Watercraft - up to 48 months
TEXT
as low as 4.99%
Effective July 1, 2019
Loan Type

New Personal Watercraft - up to 60 months

Annual Percentage Rate (APR)

as low as 4.99%

Loan Type

Used Personal Watercraft - up to 48 months

Annual Percentage Rate (APR)

as low as 4.99%

Effective July 1, 2019

*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.


Recreational Vehicles (RV) and Boat Loan Rates

View the RV and Boat Loan Page for details.

Loan Type Annual Percentage Rate (APR)
TEXT
RV, Travel Trailers, Boats - up to 60 months
TEXT
as low as 4.99%
TEXT
RV, Travel Trailers, Boats - 61 to 72 months
TEXT
as low as 5.99%
TEXT
RV, Travel Trailers, Boats - 73 to 96 months
TEXT
as low as 6.99%
TEXT
RV, Travel Trailers, Boats - 97 to 120 months; min. $50k
TEXT
as low as 7.99%
TEXT
Utility Trailer
TEXT
as low as 9.00%
Effective July 1, 2019
Loan Type

RV, Travel Trailers, Boats - up to 60 months

Annual Percentage Rate (APR)

as low as 4.99%

Loan Type

RV, Travel Trailers, Boats - 61 to 72 months

Annual Percentage Rate (APR)

as low as 5.99%

Loan Type

RV, Travel Trailers, Boats - 73 to 96 months

Annual Percentage Rate (APR)

as low as 6.99%

Loan Type

RV, Travel Trailers, Boats - 97 to 120 months; min. $50k

Annual Percentage Rate (APR)

as low as 7.99%

Loan Type

Utility Trailer

Annual Percentage Rate (APR)

as low as 9.00%

Effective July 1, 2019

*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.


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.