Auto & Other Vehicle Loans

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

Apply Now

Auto Refinance Offer

Move your auto loan from another institution to the Credit Union and enjoy an automatic 0.25% APR discount.¹

Apply now.

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.
  • Timely Payment Discount. 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, 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.
  • Timely Payment Discount. 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, 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^

  • APR as low as

    4.94%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.69%

    New/Used Auto

    Up to 60 months

  • APR as low as

    6.74%

    RV

    Vehicle Loans

  • APR as low as

    6.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1, 2024.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.40%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    5.00%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.28%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

Our Rates^

  • APR as low as

    6.591%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.964%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.495%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    7.125%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 15, 2024.  View Full Disclosures.

Our Rates^

  • APR

    16.00% - 18.00%

    Signature Cash Back

    Credit Cards

  • APR

    13.75% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    12.25% - 17.49%

    Platinum Low Rate

    Credit Cards

  • APR

    17.49%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2024.

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 May 1, 2024.

Our Rates^

  • APR

    13.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

Our Rates^

APR as low as

4.94%

New/Used Auto

Up to 36 Months

APR as low as

5.69%

New/Used Auto

Up to 60 months

APR as low as

6.74%

RV

Vehicle Loans

APR as low as

6.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1, 2024.

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.40%

Short-Term Share Certificate

Share Certificate

APY as high as

5.00%

Share Certificate

Share/IRA Certificates

APY as high as

4.28%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

APR as low as

6.591%

15-Year Fixed

Home Loans

APR as low as

6.964%

30-Year Fixed

Home Loans

APR as low as

7.495%

5/1 Arm (30-Year)

Home Loans

APR as low as

7.125%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 15, 2024.  View Full Disclosures.

APR

16.00% - 18.00%

Signature Cash Back

Credit Cards

APR

13.75% - 18.00%

Platinum Rewards

Credit Cards

APR

12.25% - 17.49%

Platinum Low Rate

Credit Cards

APR

17.49%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2024.

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 May 1, 2024.

APR

13.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

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.

* GAP add-on services may not be available to all residents of all states. The information within 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, and may not be available to all residents of all states. In states where GAP protection is an insurance product, MEMBER’S CHOICE Guaranteed Assets Protection is made available and underwritten by TruStage Insurance Agency, LLC. 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 TruStage Insurance Agency, LLC.
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.

¹ APR is Annual Percentage Rate. A 0.25% discount is valid for fixed-rate auto loans refinanced from outside of American Airlines Credit Union. The loan must fund between 04/01/2024 and 06/03/2024. This promotional discount can only be combined with the Direct Deposit Discount and is not eligible to be combined with Loan Loyalty or Welcome Aboard Discount.