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Loan Rates

New Autos & Trucks

New Autos & Trucks As Low as: **
24 Months 5.15% APR
36 Months 5.20% APR
48 Months 5.45% APR
60 Months 5.70% APR
72 Months 5.95% APR
84 Months 6.20% APR

* Annual Percentage Rate
**Rates will vary depending on credit score..25% interest discount for debt protection or warranty.

Used Autos & Trucks

New Autos & Trucks As Low as: **
48 Months 5.45% APR
60 Months 5.70% APR
72 Months 5.95% APR
84 Months 6.20% APR

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection or warranty.

New Boats & RVs

100% of MSRP & T.T.L. (10% down required on loans over $40,000)
(5% down required on loans over $25,000)		 As Low As: **
Up to $7,000 36 Months 8.70% APR*
$7,000 to $12,999 60 Months 9.10% APR*
$13,000 to $17,999 84 Months 9.60% APR*
$18,000 to $24,999 120 Months 10.05% APR*
$25,000 & Above 144 Months 10.25% APR*

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection or warranty.

Used Boats & RVs

100% of NADA Retail (10% down required on loans over $40,000)
(5% down required on loans over $25,000)		 As Low As: **
Up to $7,000 36 Months 8.80% APR*
$7,000 to $12,999 60 Months 9.30% APR*
$13,000 to $17,999 84 Months 9.80% APR*
$18,000 to $24,999 120 Months 10.40% APR*
$25,000 & Above 144 Months 10.60% APR*

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection.

New Motorcycles & Titled ATVs or UTVs

New 2022 Term As Low As: **
(125% of MSRP) (Amounts under $1500-refer to "Other Titled Motorized Vehicles")
$15,000 & Above 84 Months 8.65% APR
$10,000 & Above 72 Months 7.70% APR
$1,500 to $9,999 60 Months 7.40% APR
$1,500 to $9,999 48 Months 7.00% APR
$1,500 to $9,999 36 Months 6.90% APR*

* Annual Percentage Rate
**Rates will vary depending on credit score and year of vehicle..25% interest discount for debt protection or warranty.

Used Motorcycles & Titled ATVs or UTVs

2017 and newer Term As Low As: **
125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles"
$15,000 & Above 72 Months 8.00% APR*
$10,000 to $14,999 60 Months 7.85% APR*
$6,000 to $9,999 48 Months 7.50% APR*
$1,500 to $5,999 36 Months 7.10% APR*
$1,500 to $5,999 24 Months 7.05% APR*

* Annual Percentage Rate
** Rates will vary depending on credit score and year of vehicle. Above rates reflect a .25% discount for debt protection or warranty.

Other Titled Motorized Vehicles

New & Used Motorcycles, ATV's & UTV's Term As Low As: **
$1500 and 2016 & older cycles, ATVs & UTVs (any amount), Jet ski's, and Snowmobiles
New Only 48 Months 9.85% APR*
New or Used 36 Months 9.45% APR*
Lesser of Purchase or Retail 24 Months 9.30% APR*
Lesser of Purchase or Retail 12 months 9.15% APR*

* Annual Percentage Rate
** Rates will vary depending on credit score and year of vehicle. Above rates reflect a .25% discount for debt protection.

Consumer Goods Secured by UCC-1

For more information contact a loan officer at (641) 792-5660 or (800) 824-2575.

Personal Loans

Unsecured Term As Low As: **
$250 to $499 6 Months 15.20% APR*
$500 to $1,000 12 Months 14.70% APR*
$1,001 to $2,500 24 Months 14.20% APR*
$2,501 to $5,000 36 Months 13.70% APR*
$5,001 to $8,000 48 Months 14.20% APR*
$8,001 and Over 60 Months 14.70% APR*

*Annual Percentage Rate
** Rates will vary depending on credit score. 25% discount applies for debt protection.

Credit Solutions

If you’re struggling to pay your loan or looking to improve your credit, ACU can help. Visit our Credit Solutions page for more information.