Auto & Other Vehicle Loans

Our auto loans help the Credit Union stand out in the marketplace with competitive rates.

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Special Offers

Receive up to a 90-day deferral on your first auto payment while also earning up to a .50% Annual Percentage Rate (APR) discount. 

Learn more

Our auto loans help the Credit Union stand out in the marketplace with competitive rates and a selection of value-added services members have come to trust. Make sure to take full advantage of the value of membership and the discounts available when applying for your next auto loan.

New & Used Auto Loans

Getting a great deal on a new or used car, truck, SUV or motorhome is easy if you do your homework. We’ve paved the way to great deals with the wealth of time-tested information as well as the number of buying resources we provide — all designed to save you time and money.

The process is simple:

  1. Get pre-approved for an auto loan. Apply online, through your mobile device, over the phone or visit your nearest branch to discuss loan options.
  2. Visit the Auto Buying Research Network to research and choose your vehicle. Look up the value of any trade-ins. Research vehicles of interest and find a dealer near you.
  3. Look into add-on options. Discuss options and get a quote to cover you and your investment.
  4. Have the dealer send the purchase order to your Credit Union loan officer.

Refinance Your Existing Loan

If you’re currently driving the car of your dreams, but you financed it elsewhere, refinancing your auto (or other vehicle) loan with us can help you save each month. Refinancing with the Credit Union can offer a number of benefits:

  • Lower interest rates
  • Lower monthly payments
  • Additional discounts
  • Cash-out options
  • Add-on options

The process to refinance:

  1.  Apply for your vehicle refinance loan today. Click on “Vehicle Loans.”
  2. Follow the three steps from there, making sure to select “Refinance” under “Purpose.”
  3.  Once you’ve submitted your application, a Credit Union loan officer will follow up with you.

Other Vehicle Loans

Regardless of your passion, whether it’s flying above the clouds in your own airplane, riding along a country terrain, skimming over the water or just mowing your lawn — we have the perfect rate for you!

  • Airplanes – For our members who were born to fly, we offer competitive rates and flexible loan terms.
  • All-Terrain Vehicles (ATVs) – Looking for a traditional ATV or the latest two-seater? We’ll help you out.
  • Boats & Other Watercraft – Enjoy the open waters in your own boat or catch the waves on a personal watercraft.
  • Lawn – We can help finance your riding lawn mower or garden tractor.
  • Motorcycles – Whether you’re a Harley fan or love one of those sleek imports, our great rates can get you on the open road.
  • Campers – Let us help you enjoy the freedom and relaxation of traveling at your own pace (motorhomes also available as part of our auto loans).

FIRST AUTO LOAN

When you’re ready for your first auto loan, we have the financing and experience to make the process quick and simple.

  • Our first-time auto loan is designed for individuals with little to no credit history.
  • With terms from 36 to 72 months, we can work with you to ensure your monthly payment is within your budget.
  • Be rewarded with an annual 2.00% APR** discount, by making automatic payments on time and providing insurance and title requirements.
  • To get started, get pre-approved for an auto loan.Apply online, through your mobile device,1 over the phone or visit your nearest branch to discuss loan options.

New & Used Auto Loans

Getting a great deal on a new or used car, truck, SUV or motorhome is easy if you do your homework. We’ve paved the way to great deals with the wealth of time-tested information as well as the number of buying resources we provide — all designed to save you time and money.

The process is simple:

  1. Get pre-approved for an auto loan. Apply online, through your mobile device, over the phone or visit your nearest branch to discuss loan options.
  2. Visit the Auto Buying Research Network to research and choose your vehicle. Look up the value of any trade-ins. Research vehicles of interest and find a dealer near you.
  3. Look into add-on options. Discuss options and get a quote to cover you and your investment.
  4. Have the dealer send the purchase order to your Credit Union loan officer.

Refinance Your Existing Loan

If you’re currently driving the car of your dreams, but you financed it elsewhere, refinancing your auto (or other vehicle) loan with us can help you save each month. Refinancing with the Credit Union can offer a number of benefits:

  • Lower interest rates
  • Lower monthly payments
  • Additional discounts
  • Cash-out options
  • Add-on options

The process to refinance:

  1.  Apply for your vehicle refinance loan today. Click on “Vehicle Loans.”
  2. Follow the three steps from there, making sure to select “Refinance” under “Purpose.”
  3.  Once you’ve submitted your application, a Credit Union loan officer will follow up with you.

Other Vehicle Loans

Regardless of your passion, whether it’s flying above the clouds in your own airplane, riding along a country terrain, skimming over the water or just mowing your lawn — we have the perfect rate for you!

  • Airplanes – For our members who were born to fly, we offer competitive rates and flexible loan terms.
  • All-Terrain Vehicles (ATVs) – Looking for a traditional ATV or the latest two-seater? We’ll help you out.
  • Boats & Other Watercraft – Enjoy the open waters in your own boat or catch the waves on a personal watercraft.
  • Lawn – We can help finance your riding lawn mower or garden tractor.
  • Motorcycles – Whether you’re a Harley fan or love one of those sleek imports, our great rates can get you on the open road.
  • Campers – Let us help you enjoy the freedom and relaxation of traveling at your own pace (motorhomes also available as part of our auto loans).

FIRST AUTO LOAN

When you’re ready for your first auto loan, we have the financing and experience to make the process quick and simple.

  • Our first-time auto loan is designed for individuals with little to no credit history.
  • With terms from 36 to 72 months, we can work with you to ensure your monthly payment is within your budget.
  • Be rewarded with an annual 2.00% APR** discount, by making automatic payments on time and providing insurance and title requirements.
  • To get started, get pre-approved for an auto loan.Apply online, through your mobile device,1 over the phone or visit your nearest branch to discuss loan options.

Loan Discounts

Save on your next loan if you take advantage of the number of discounts available on select vehicle and home equity line of credit loans.

Learn More

Our Rates^

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

  • APY as high as

    0.70%

    Savings

    Share Accounts

  • APY as high as

    0.70%

    IRA Savings

    IRA Share Accounts

  • APY as high as

    2.12%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    3.14%

    Ladder Certificates

    Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Sept. 1, 2022.

Our Rates^

  • APR as low as

    1.90%

    New Auto

    Vehicle Loans

  • APR as low as

    1.90%

    Used Auto

    Vehicle Loans

  • APR as low as

    4.59%

    RV

    Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 23, 2022.

Our Rates^

  • APR as low as

    5.448%

    15-Year Fixed

    Home Loans

  • APR as low as

    5.821%

    30-Year Fixed

    Home Loans

  • APR as low as

    5.627%

    5/1 Arm (30-Year)

    Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 2022.  View Full Disclosures.

Our Rates^

  • APR

    8.50% - 13.74%

    Platinum (Low Rate)

    Credit Cards

  • APR

    10.00% - 15.74%

    Rewards

    Credit Cards

  • APR

    13.74%

    Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective September 1, 2022.

Our Rates^

  • APR

    10.24% - 16.24%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

Our Rates^

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

APY as high as

0.70%

Savings

Share Accounts

APY as high as

0.70%

IRA Savings

IRA Share Accounts

APY as high as

2.12%

Share Certificate

Share/IRA Certificates

APY as high as

3.14%

Ladder Certificates

Share/IRA Certificates

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective Sept. 1, 2022.

APR as low as

1.90%

New Auto

Vehicle Loans

APR as low as

1.90%

Used Auto

Vehicle Loans

APR as low as

4.59%

RV

Vehicle Loans

^Auto & Other Personal Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 23, 2022.

APR as low as

5.448%

15-Year Fixed

Home Loans

APR as low as

5.821%

30-Year Fixed

Home Loans

APR as low as

5.627%

5/1 Arm (30-Year)

Home Loans

^Home Loan Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective September 19, 2022.  View Full Disclosures.

APR

8.50% - 13.74%

Platinum (Low Rate)

Credit Cards

APR

10.00% - 15.74%

Rewards

Credit Cards

APR

13.74%

Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective September 1, 2022.

APR

10.24% - 16.24%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective July 1, 2022.

ALL AUTO LOANS INCLUDE

 

Research and choose your vehicle
Visit the Auto Buying Research Network

"Interest can be a dark cloud sometimes, but the Credit Union definitely helped me get a low enough interest rate to pay off my loan in a shorter amount of time than I thought.”

Kayla, member since 2018

Read More Member Stories

Protect Your Property & Assets

Explore our add-on services to help protect your property and assets.

Guaranteed Asset Protection (GAP)

If your vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss, you may be liable for the difference, or the “gap,” between your insurer’s settlement and your loan balance. Sign up for GAP* when you apply for your vehicle loan, or call (800) 533-0035 ext. 4161 for more information.

* The information contained in the above announcement is intended to provide a general outline of the benefits of MEMBER’S CHOICE Guaranteed Asset Protection. Be sure to carefully read your MEMBER’S CHOICE GAP waiver or policy/certificate of insurance for complete details. Guaranteed Asset Protection may vary by state and then by credit union. In states where GAP protection is an insurance product, MEMBER’S CHOICE Guaranteed Assets Protection is made available and underwritten by CMFG Life Insurance Company. In states where GAP is a debt cancellation product, MEMBER’S CHOICE Guaranteed Asset Protection is made available through your credit union and administered by CMFG Life Insurance Company.
Get more information

Extended Vehicle Warranty

Most major car repairs occur after the factory warranty period ends. A Vehicle Service Agreement (VSA)* can reduce or even eliminate the financial burden from unexpected and high-cost repairs. 

* Mechanical Breakdown Insurance (MBI) is available in states where required.
Learn More

Credit Life

Credit Life insurance protects your loved ones in the unfortunate event of untimely death. It’s designed to reduce or pay off a loan balance (up to the policy maximum) if you pass before the loan is repaid. One of the great features of this product is the maximum total benefit in the amount of $100,000 per loan, versus the standard $50,000 per loan with other credit unions. If this makes sense for you, speak with a Credit Union representative today. Available on auto and personal loans and credit cards.

Credit Disability

When injuries and accidents occur, it can help ease the family’s financial burden. Take a moment to consider whether you will need assistance in making your loan payments if you were temporarily out of work due to a covered injury or illness. We require only 20 active hours at work compared to the standard 25 hours required by other credit unions. If this makes sense for you, speak with a Credit Union representative today. Available on auto and personal loans and credit cards.

Message and data rates may apply. Check with your mobile provider.

*APR is Annual Percentage Rate. See our Rate Schedule for more information.

**To earn this discount, you must meet the following requirements:
1) Make all of your loan payments on time for 12 months.
2) Set up auto-transfer payments from your share or checking account.
3) Sign up for free online statements.
4) Record "American Airlines Federal Credit Union” as lien holder and ensure all title work is processed on vehicle loans.
5) Provide documentation of full-coverage insurance with “American Airlines Federal Credit Union” listed as loss payee for auto loans.
As long as you continue to meet these requirements, you can qualify for this additional discount every 12 months throughout the life of your loan until you reach a certain interest rate minimum based on your loan terms.