Loan Rates

New Vehicle

2009 – 2010
Score 24 Month 36 Months 48 Months 60 Months 72 Months 84 Months
750+ 4.00% 4.25% 4.50% 4.75% 5.00% 5.25%
650 – 749 4.50% 4.75% 5.00% 5.25% 5.50% 5.75%
600 – 649 5.50% 5.75% 6.00% 6.25% 6.50% 6.75%
500 – 599 7.50% 7.75% 8.00% 8.25% 8.50% 8.75%
499 & below 8.50% 8.75% 9.00% 9.25% 9.50% 9.75%

 

Used Vehicles

2007 – 2008
Score 24 Month 36 Months 48 Months 60 Months 72 Months
750+ 4.50% 4.75% 5.00% 5.25% 5.50%
650 – 749 5.00% 5.25% 5.50% 5.75% 6.00%
600 – 649 6.00% 6.25% 6.50% 6.75% 7.00%
500 – 599 8.00% 8.25% 8.50% 8.75% 9.00%
499 & below 9.00% 9.25% 9.50% 9.75% 10.00%

 

Used Vehicles

2005 – 2006
Score 24 Month 36 Months 48 Months 60 Months
750+ 5.25% 5.50% 5.75% 6.00%
650 – 749 5.75% 6.00% 6.25% 6.50%
600 – 649 6.75% 7.00% 7.25% 7.50%
500 – 599 8.75% 9.00% 9.25% 9.50%
499 & below 9.75% 10.00% 10.25% 10.50%

 

Used Vehicles

2002 – 2004
Score 24 Month 36 Months 48 Months
750+ 6.00% 6.25% 6.50%
650 – 749 6.50% 6.75% 7.00%
600 – 649 7.50% 7.75% 8.00%
500 – 599 9.50% 9.75% 10.00%
499 & below 10.50% 10.75% 11.00%

 

Used Vehicles 2001 & Older
Score Rate
750+ 8.50%
650 – 749 9.00%
600 – 649 10.00%
500 – 599 12.00%
499 & below 13.00%

 

Unsecured Signature
Score Rate
650+ 8.50%
600 – 649 9.50%
599 & below 13.00%

 

All collateralized loans are eligible for a .25% reduction in the interest rate is automatic payment is set up via Direct Deposit or transferring from an ACFCU savings or checking.

Please visit one of our Loan pages to apply or you can contact the Loan Department for more information.

*All loans subject to approval. Rates subject to change without prior notice.