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Loan Rates

Auto & Other Secured Loans | Personal Unsecured Loans | Home Equity Loans

Auto & Other Secured Loans
Effective Date: Monday, July 21st, 2025
Type	APR as low as*	Max Term for Rate
New & Used Auto	5.74%*	72 months
Motorcycle	7.49%*	60 months
Tractor	5.99%*	72 months
Boat	6.74%*	84 months
Mobility	5.74%*	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: Monday, July 21st, 2025
Type	APR 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.

Home Equity Loans / Lines of Credit
Effective Date: Monday, July 21st, 2025
Type	APR 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

Credit Card Rates

Credit Cards
Effective Date: Monday, July 21st, 2025
Type	APR 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

Savings Rates

Savings Accounts | Share Certificates | IRAs/Roth IRAs/Coverdell ESAs

Savings Accounts
Effective Date: Monday, July 21st, 2025
Name	Dividend Rate	APY*	Min. Opening Deposit	Minimum Balance
Primary Share Savings Account	0.50%	0.50%	$5	$5
True Savings Account (Including Eagle Earners and Independence)	0.50%	0.50%	$0	$0
Members Choice Account	0.50%	0.50%	$0	$0
Vacation Club	0.50%	0.50%	$0	$0
Christmas Club	0.50%	0.50%	$0	$0
Premier Checking Account	0.50%	0.50%	$2,000	$2,000
Money Market Account	1.00%	1.00%	$5,000	$5,000
*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually. Ask for details. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
Rate may change after account opening

Share Certificates
Effective Date: Monday, July 21st, 2025
Term	Dividend Rate	APY*	Min. Dep.**
30 days	0.35%	0.35%	$500.00
60 days	0.35%	0.35%	$500.00
90 days	0.35%	0.35%	$500.00
180 days	3.75%	3.75%	$500.00
1 Year	3.75%	3.75%	$500.00
18 Months	3.65%	3.65%	$500.00
2 Year	3.55%	3.55%	$500.00
3 Year	3.45%	3.45%	$500.00
4 Year	3.35%	3.35%	$500.00
5 Year	3.25%	3.25%	$500.00
*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. APY is accurate as of the last dividend declaration date. Share certificates are non-compounding and payout of dividends is mandatory. Dividends may be paid monthly, quarterly, semi-annually, and annually- ask for details. Early withdrawal penalties may apply if funds are removed before maturity date; fees may reduce earnings on the account.
**Requires a minimum deposit of $500. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice.

IRA Rates
Effective Date: Monday, July 21st, 2025
Term	Dividend Rate	APY*	Min. Dep.**
30	0.35%	0.35%	$50.00
60	0.35%	0.35%	$50.00
90	0.35%	0.35%	$50.00
180 day	3.70%	3.75%	$50.00
1 Year	3.70%	3.75%	$50.00
2 Year	3.50%	3.55%	$50.00
3 Year	3.41%	3.45%	$50.00
4 Year	3.31%	3.35%	$50.00
5 Year	3.21%	3.25%	$50.00
APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually. Ask for details. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date. *Requires a minimum deposit of $50. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice.

All rates subject to change without notice.

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*Boldly Generous Rates Promotion refers to non-variable rate products only. Loan offer subject to credit approval and underwriting guidelines. Promotion subject to change at any time.