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Rates

Rates effective as of January 1, 2021, 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 1.99%
Used Autos
(7 years old or newer)
6 - 84 months As low as 2.75%
Used Autos
(8-15 years old)
6 - 72 months As low as 3.55%
Classic Autos2
(25 years and older)
6 - 84 months As low as 4.75%
New Motorcycles1,2
(2022, 2021 & 2020)
6 - 72 months As low as 3.50%
Used Motorcycles1,2
(7 years old or newer)
6 - 72 months As low as 3.75%
Used Motorcycles1,2
(8-15 years old)
6 - 60 months As low as 4.25%

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

RVs, Boats and Toys*
(includes Travel Trailers, Fifth Wheels, Class A and Class C Motorhomes)
Vehicle Type Term APR*
New Recreational Vehicles²
(2022, 2021 & 2020)
6 - 180 months As low as 3.50%
Used Recreational Vehicles²
(7 years old or newer)
6 - 180 months As low as 3.75%
Used Recreational Vehicles²
(8-15 years old)
6 - 144 months As low as 4.25%
New Boats²
(2022, 2021 & 2020)
6 - 180 months As low as 3.50%
Used Boats²
(7 years old or newer)
6 - 180 months As low as 3.75%
Used Boats²
(8-15 years old)
6 - 144 months As low as 4.25%
New Toy²
(2022, 2021 & 2020)
6 - 84 months As low as 3.75%
Used Toy²
(7 years old or newer)
6 - 72 months As low as 4.25%
Used Toy²
(8-15 years old)
6 - 60 months As low as 4.75%

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 3.75%
Used Lawn/Farm Equipment
(8-15 years old)
6 - 72 months As low as 4.75%
Other Loans
Type Term APR*
Personal Loans 6 - 60 months 7.75%
Tech Loans 6 - 60 months 7.75%
Ready Cash Line of Credit Open-End (Revolving) 10.00%
Share Savings Secured Loans 6 - 120 months 3.50%
Share Certificate Secured Loans 6 - 120 months Certificate Rate + 2.00%
Visa Platinum Credit Card Open-End (Revolving) 9.80%
Secured Visa Platinum Credit Card Open-End (Revolving) 6.50% (fixed rate)
Secured Starter Loan (Credit Builder/Rebuilder) 6 - 60 months 7.75%

Mortgages

Call us at 423-230-2600 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.