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We’re making staying on top of your loan payments even easier! Members lending with A1CU will soon have the option to receive helpful text reminders. Read more about what to expect and how to opt in.

Loan Rates

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Home | Borrow | Loan Rates
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Loan Rates

Auto & Other Secured Loans
Effective Date: Wednesday, April 23rd, 2025
TypeAPR as low as*Max Term for Rate
New & Used Auto 4.99%* 72 months
Motorcycle 7.49%* 60 months
Tractor 5.99%* 72 months
Boat 6.74%* 84 months
Mobility 4.99%* 72 months
RV/Camper 6.74%* 60 months
Other** 7.49%* 60 months

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval and underwriting requirements. Refinances from current loans with American 1 Credit Union are allowed with the addition of a $500 financed balance or more. See any branch for details. All rates subject to change without notice.
**Other Loans may include ATVs/UTVs/jet skis/snowmobiles and other similar vehicles and toys. Please Contact Us with any questions.
Payment Example: For a $30,000 loan for a term of 72 months with 9.99% APR, the monthly payment will be $557.77.

Personal Unsecured Loans
Effective Date: Wednesday, April 23rd, 2025
TypeAPR as low as*Max Term for Rate
Personal Loan 10%* 60 months

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details.
Payment Example: For a $30,000 loan for a term of 60 months with a 11.00% APR, the monthly payment will be 654.83.

Credit Cards
Effective Date: Wednesday, April 23rd, 2025
TypeAPR as low as*
Non-Variable Rate 10.00%*
Variable Rate** 6.74%*+Index**

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details. Maximum APR is 18% on Credit Cards. 
** Variable rates may change based on Index rate. Index rate (or Prime rate), as published in the Wall Street Journal on the last day of each calendar month.
VISA Disclosure

Home Equity Loans / Lines of Credit
Effective Date: Wednesday, April 23rd, 2025
TypeAPR as low as*
10 Year Home Equity Loan 7.5%*
15 Year Home Equity Loan 7.75%*
20 Year Home Equity Loan 8.00%*
Home Equity Line of Credit Prime** - 0.50%*
4.00% APR floor on Home Equity line of credit rates.

*APR = Annual Percentage Rate. Annual percentage rates (APR) listed are "as low as" based on credit score and term, and are subject to approval. See any branch for details. Maximum APR is 18% on Home Equity Lines of Credit.
** Variable rates may change based on Prime rate. Prime rate, as published in the Wall Street Journal on the last day of each calendar month.
Payment Example: For a $50,000 loan for a term of 10 years with a 10.00% APR, the monthly payment will be $663.38.
$500 appraisal fee required for Home Equity Loans. Taxes and insurance premiums are not included in the payment. Actual payment obligation may be greater
Click here for additional disclosures