Rates effective as of October 1, 2025, and are subject to change.

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New and Used Auto & Motorcycle Loans

Vehicle Type	Term	APR*
New Autos (upcoming, current & previous vehicle model years - under 10,000 miles)	6 - 84 months	As low as 5.55%
Used Autos (7 years old or newer)	6 - 84 months	As low as 6.25%
Used Autos (8-15 years old)	6 - 72 months	As low as 6.75%
Classic Autos2 (25 years and older)	6 - 84 months	As low as 7.75%
New Motorcycles1,2 (2026, 2025 & 2024)	6 - 84 months	As low as 7.00%
Used Motorcycles1,2 (7 years old or newer)	6 - 84 months	As low as 7.25%
Used Motorcycles1,2 (8-15 years old)	6 - 72 months	As low as 7.75%

¹Motorcycles must be over 800cc.
²Minimum credit score required.

RVs, Boats and Toys*
(includes Travel Trailers, Fifth Wheels, Class A, Class B, and Class C Motorhomes)

Type	Term	APR*
New Recreational Vehicles² (2026, 2025 & 2024)	6 - 180 months	As low as 7.00%
Used Recreational Vehicles² (7 years old or newer)	6 - 180 months	As low as 7.25%
Used Recreational Vehicles² (8-15 years old)	6 - 144 months	As low as 7.75%
New Boats² (2026, 2025 & 2024)	6 - 180 months	As low as 7.00%
Used Boats² (7 years old or newer)	6 - 180 months	As low as 7.25%
Used Boats² (8-15 years old)	6 - 144 months	As low as 7.75%
New Toy² (2026, 2025 & 2024)	6 - 84 months	As low as 7.25%
Used Toy² (7 years old or newer)	6 - 84 months	As low as 7.75%
Used Toy² (8-15 years old)	6 - 72 months	As low as 8.25%

²M/C < 800cc, Jet Ski, Tent Trailers, Campers, Quad Runners, etc. Minimum Credit Score Required.

Lawn and Farm Equipment

Type	Term	APR*
New & Used Lawn/Farm Equipment (7 years old or newer)	6 - 84 months	As low as 6.75%
Used Lawn/Farm Equipment (8-15 years old)	6 - 72 months	As low as 7.75%

Other Loans

Type	Term	APR*
Personal Loans	6 - 60 months	As low as 9.75%
Holiday Loan (Limited time)**	6-18 months	As low as 7.75%
Appy Assist Loans	6 - 60 months	As low as 9.75%
Vacation Loans	6 - 60 months	As low as 9.75%
Ready Cash Line of Credit	Open-End (Revolving)	As low as 11.75%
Share Savings Secured Loans	6 - 120 months	4.00%
Share Certificate Secured Loans	6 - 120 months	Certificate Rate + 2.00%
Visa Platinum Credit Card	Open-End (Revolving)	As low as 9.80%
Secured Visa Platinum Credit Card	Open-End (Revolving)	6.50% (fixed rate)
Secured Credit Builder	6 - 36 months	10.00%

Mortgages

Call us at 423-378-3778 for our current Mortgage Loan Rates.

Mortgage Request Form  Apply Online

*APR = Annual Percentage Rate. Rates "as low as" dependent on creditworthiness, Auto Pay, and/or any special discounts possibly offered for various reasons and marketing promotions. Rates subject to change at any time. Rates do not apply for refinance of existing ACFCU loans. All loans are subject to credit approval. Other terms and conditions may apply. Contact the Credit Union for full details regarding any ACFCU loan product and program.

**APR = Annual Percentage Rate. The Appy Holiday Loan is a personal unsecured loan. All loans subject to normal credit approval terms, restrictions, and risk analysis. Min. loan amount of $500 and max. loan amount up to $3,500 for qualified borrowers. As low as 7.75% APR is the advertised rate and can vary based on credit performance and terms of the loan. All rates subject to change without notice. Not available for refinancing of current ACFCU loans. Rates apply to new money only. Only one Holiday Loan can be obtained per membership. Payment Example: A loan of $1,000 for 12 months at 7.75% APR will result in an approximate monthly payment of $87.13. The Holiday Loan is available until December 23, 2025.