Vehicle Loan Rates
| Model Year(s) | APR | Max Loan Terms | Effective As Of |
|---|---|---|---|
| 2025 - 2023 NADA Retail / MSRP | 4.75% - 15.75% | Up To 84 Months | January 1, 2025 |
| 2022 - 2020 NADA Retail | 5.50% - 16.50% | Up To 75 Months | January 1, 2025 |
| 2019 - 2018 NADA Retail | 6.25% - 17.00% | Up To 66 Months | January 1, 2025 |
| 2025 - 2024 New Boats | 7.00% - 10.00% | Up To 180 Months | January 1, 2025 |
| 2023 - 2020 Used Boats | 7.50% - 10.00% | Up To 120 Months | January 1, 2025 |
| 2019 - 2018 Used Boats | 8.50% - 10.50% | Up To 84 Months | January 1, 2025 |
| 2025 - 2024 New RV/Motor Homes & Trailers | 7.00% - 10.00% | Up To 180 Months | January 1, 2025 |
| 2023 - 2020 Used RV/Motor Homes & Trailers | 7.50% - 10.00% | Up To 120 Months | January 1, 2025 |
| 2019 - 2018 Used RV/Motor Homes & Trailers | 8.50% - 10.50% | Up To 84 Months | January 1, 2025 |
| 2025 - 2024 New Motorcycles | 7.00% - 9.50% | Up To 84 Months | January 1, 2025 |
| 2023 - 2018 Used Motorcycles | 8.00% - 10.00% | Up To 72 Months | January 1, 2025 |
| 2025 - 2024 New Campers / 5th Wheel | 7.00% - 9.50% | Up To 84 Months | January 1, 2025 |
| 2023 - 2018 Used Campers / 5th Wheel | 8.00% - 10.00% | Up To 72 Months | January 1, 2025 |
| 2025 - 2018 Jet Ski / ATV / Misc | 8.00% - 10.50% | Up To 60 Months | January 1, 2025 |
- APR is the annual percentage rate. Rates vary based on term of loan, age of vehicle, and your credit history. Rates and terms subject to change without notice. Terms are approximate.
- For an estimate of what your payment may be, click here to use our Loan Calculator. Please contact Associated Credit Union for full disclosures.
- Must qualify for loan under ACU guidelines, including age (minimum 18 years of age) and value of auto.
- The minimum Auto Loan amount is $5,000.
- Terms of 72-83 months must finance $15,000 or more.
- Terms of 84 months or greater must finance $25,000 or more.
- These offers may be withdrawn.
