Loan Rates

Fair rates and terms to help you get ahead in life

Whether you are buying a home, refinancing a vehicle, starting a business or consolidating debt, borrowing from AIM Credit Union is a great way to help finance the big dreams you might not have cash for.

Make affordable monthly payments with fair rates that won’t leave you scrambling to make ends meet!

HOME EQUITY RATES

Home Equity

item_id	Title	Rate	APR
1	InTENse 10 Year Fixed	6.000	6.091
2	Home Equity Line of Credit	4.740	4.740

APPLY FOR A HOME EQUITY LOAN

All rates subject to change. No points and no annual fee. Rates displayed are “as low as” and may vary based on LTV and credit score.

Mortgage Rates

item_id	Years	Rate	APR
1	10 Year Fixed In-House	6.000	6.091
2	15 Year Fixed	6.250	6.403
3	20 Year Fixed	6.500	6.623
4	30 Year Fixed	6.500	6.593

item_id	Years	Rate	APR
1	3/1 Year ARM	5.375	5.462
2	5/1 Year ARM	5.500	5.588
3	7/1 Year ARM	5.875	5.965
4	10/1 Year ARM	6.125	6.216

APPLY FOR A MORTGAGE

Rates are subject to change without notice. 30-, 20-, and 15-year fixed mortgage loans will transfer servicing to an investor. Quoted rates assume purchase money mortgage, single-family, owner-occupied dwelling with loan amount of $150,000 and a purchase price of $200,000 using a 30-day lock with a minimum credit score of 740. Changing these assumptions may change terms. Please contact a loan officer for more information.

Vehicle Loan Rates

New Titled and Untitled Vehicles 2025-2022

item_id	Years	APR
1	2 Years	5.140
2	3 Years	5.490
3	4 Years	5.490
4	5 Years	5.690
5	6 Years	5.890
6	7 Years	6.240

2021 – 2020 Vehicles

item_id	Years	APR
1	2 Years	5.490
2	3 Years	5.490
3	4 Years	5.740
4	5 Years	5.990
5	6 Years	6.140

2019 – 2018 Vehicles

item_id	Years	APR
1	2 Years	5.990
2	3 Years	5.990
3	4 Years	6.490
4	5 Years	6.990

2017 – 2015 Vehicles

item_id	Years	APR
1	2 Years	5.990
2	3 Years	5.990
3	4 Years	6.740
4	5 Years	6.990

2014 and Older Vehicles

item_id	Years	APR
1	2 Years	6.990
2	3 Years	6.990

APPLY FOR A VEHICLE LOAN

All rates shown above are AS LOW AS and are subject to change. APR = Annual Percentage Rate. ACU Rewards offers a .7% reduction in APR if you qualify when you use the following credit union services and products: ACU checking with direct deposit, payroll deduction, ACH payment, ACU MasterCard, financing the trade value or 10% down. RATES QUOTED ABOVE ARE SHOWING ALL DISCOUNTS. Some restrictions apply. Motorcycles now classified with vehicle rates and not RV rates. Seven (7) year term offered only to new, untitled vehicles over $35,000.

RV Loan Rates

2022 and Newer RVs

item_id	Years	APR
1	3 Years	6.49
2	4 Years	6.49
3	5 Years	6.69
4	6 Years	6.89
5	7 Years	7.24
6	8-10 Years	9.24

2021 – 2020 RVs

item_id	Years	APR
1	3 Years	6.49
2	4 Years	6.74
3	5 Years	6.99

2019 – 2018 RVs

item_id	Years	APR
1	3 Years	7.49
2	4 Years	7.99
3	5 Years	8.49

2017 – 2015 RVs

item_id	Years	APR
1	3 Years	7.49
2	4 Years	8.24

2014 and Older RVs

item_id	Years	APR
1	3 Years	8.49

APPLY FOR AN RV LOAN

All rates shown above are AS LOW AS and are subject to change. APR = Annual Percentage Rate. ACU Rewards offers a .7% reduction in APR if you qualify when you use the following credit union services and products: ACU checking with direct deposit, payroll deduction, ACH payment, ACU MasterCard, financing the trade value or 10% down. RATES QUOTED ABOVE ARE SHOWING ALL DISCOUNTS. Some restrictions apply. Motorcycles now classified with vehicle rates and not RV rates. Seven (7) year term offered only to new, untitled recreational vehicles over $35,000.

Credit Cards

item_id	Title	APR
1	MasterCard Elite	9.90
2	MasterCard Regular	12.90

APPLY FOR A CREDIT CARD

All rates are subject to change. APR = Annual Percentage Rate.

Holiday Loan Special

Years	Amount	APR	Years	item_id
1 year	up to $4,000	7.45	Up to 3 years	1
2 years	up to $4,000	8.45	Up to 3 Years	2
3 years	up to $4,000	9.45	Up to 3 years	3
4 years	$4,001 – $8,000	10.45	Up to 4 years	4
5 years	$8,001 – $15,000	11.45	Up to 5 years	5

APPLY FOR A HOLIDAY LOAN