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Loan Rates

Fair rates and terms to help you get ahead in life

Mortgage Rates | Home Equity Rates | Vehicle Rates | RV Rates | Credit Card Rates | Personal Loan Rates

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!

Be sure to check out our loan calculators.


Mortgage Rates

Fixed Mortgage

Rate APR
10 Year Fixed In-House 3.250% 3.327%
15 Year Fixed 4.500% 4.645%
20 Year Fixed 4.875% 4.990%
30 Year Fixed 5.125% 5.211%

Adjustable Rate Mortgage

Rate APR
10/1 Year ARM 3.500% 3.578%
7/1 Year ARM 3.125% 3.201%
5/1 Year ARM 3.000% 3.076%
3/1 Year ARM 2.500% 2.574%

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.


Home Equity Rates

Home Equity

Rate
Home Equity Line of Credit Promotional Rate 2.49%
InTENse 10 Year Fixed 3.25%
Home Equity Line of Credit 4.90%

All rates subject to change. No points, no annual fee, no application fee. As low as 2.49% introductory rate good through December 31, 2024. 


Vehicle Rates

New Titled and Untitled Vehicles 2019-2022

APR
2 Years 1.49%
3 Years 1.79%
4 Years 1.99%
5 Years 2.29%
6 Years 2.74%
7 Years 3.24%

2018 - 2017 Vehicles

APR
2 Years 1.79%
3 Years 1.99%
4 Years 2.29%
5 Years 2.74%
6 Years 2.99%

2016 - 2015 Vehicles

APR
2 Years 1.99%
3 Years 2.49%
4 Years 2.74%
5 Years 2.99%

2014 - 2012 Vehicles

APR
2 Years 1.99%
3 Years 2.49%
4 Years 2.74%
5 Years 2.99%

2011 and Older Vehicles

APR
2 Years 3.99%
3 Years 3.99%

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 Rates

2019 and Newer RVs

APR
3 Years 2.79%
4 Years 2.99%
5 Years 3.29%
6 Years 3.74%
7 Years 4.24%
8 - 10 Years 6.24%

2018 - 2017 RVs

APR
3 Years 2.99%
4 Years 3.29%
5 Years 3.74%

2016 - 2015 RVs

APR
3 Years 3.99%
4 Years 4.24%
5 Years 4.49%

2014 - 2012 RVs

APR
3 Years 3.99%
4 Years 4.24%

2011 and Older RVs

APR
3 Year 5.49%

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 Card Rates

Credit Cards

APR
MasterCard Elite 9.9%
MasterCard Regular 12.9%

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


Personal Loan Rates

Unsecured Loan

Rate
12 Months 5.45%
24 - 36 Months 6.45%
48 Months 7.45%
60 -72 Months 8.45%
84 Months 10.45%

SPECIAL RATES FOR A LIMITED TIME (March - April - May)

Cross Collateral and Signature Loans. All rates subject to change. Any term over the minimum goes to the next higher term for rate. Rewards and credit qualifications apply.