Get to your next adventure faster with an auto loan from ACU!

Whether your dream ride is a sleek car, a durable truck, or a family SUV, we have exceptional loan officers and low-rate financing options to get you on the road as quickly as possible!

When you buy or refi your new car, model years 2021-2024, take an additional 0.20%* off the rate!

*OAC. Valid for new money only. Must be a direct loan to qualify.

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  • Fast, local decisions

  • New, used and refinance auto loans

  • No payment for first 90 days

  • No origination or prepayment fees

  • Free CarFax report

  • Rate discount available for electric or hybrid cars (.10%)

  • Credit-Life/Disability Insurance available. This plan makes the member’s loan payments should they become disabled, deceased or unemployed.

  • GAP Advantage available. This plan covers the difference between what the insurance settlement and remaining loan balance. It may even provide $2,500 towards a new loan financed with us. In addition, GAP may pay the insurance deductible up to $1,000.

  • healthCAR Vehicle Protection available. The more miles you put on your vehicle, the more likely you will eventually have costly repairs. Now, you can protect your vehicle and your pocketbook with vehicle protection from healthCAR.

Auto Loan Rates

Current as of Apr 12, 2024

Loan Term (max) Rate Type Rate (APR)

48 Months



60 Months



72 Months



84 Months (max LTV 110%)


7.60%* max LTV: 110%

84 Months (max LTV 125%)


7.75%* max LTV: 125%
See All Rates

Loan Calculator

See what your payment could be!

Loan Amount
How much will your loan be? If you have a down payment, make sure to deduct that amount.
Rate (APR*)
APR = Annual Percentage Rate.

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How It Helps You

How It Works

Save Money  Saves Money

Competitive Rates

Save Time  Saves Time

Quick application and approval process both in-branch and online

Convenience  Convenient

Automatic payment options

Peace of Mind  Peace of Mind

Additional protection is available through GAP Advantage and Payment Protection

Protect Your Purchase

This insurance plan covers any debt your car insurance company does not cover in the case of your vehicle being totaled or being stolen and un-recovered.

This payment protection plan can pay off your loan in the event of death, or make payments on your behalf in the event of a disability.

Free CarFax Report

We want to help you make sure that the vehicle you are interested in buying doesn’t have any hidden issues, so we offer you free CarFax Reports. Just give any loan officer a call with the vehicle VIN and we’ll generate the report right away!


Even More to Love

Check out these other great products and services from ACU!


Earn 1% cash back on all your purchases!


Access your account online and on your phone!

Ready to Get Your Next Ride?

Get your application started. It only takes a few minutes!

*Rate = Annual Percentage Rate. All rates and terms are offered O.A.C., your rate may vary based upon your credit history, credit score, Loan to Value (LTV) ratio, and year/mileage of vehicle. All rates listed are fixed APR unless otherwise denoted. All rates listed are based on best-available rates. Please contact a loan officer for more information.

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