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!
Be sure to check out our loan calculators.
MORTGAGE RATES
Fixed Mortgage
Years
Rate
APR
10 Year Fixed In-House
6.250%
6.342%
15 Year Fixed
6.375%
6.528%
20 Year Fixed
6.375%
6.497%
30 Year Fixed
6.375%
6.468%
Adjustable Rate Mortgage
Year ARM
Rate
APR
3/1 Year ARM
5.750%
5.839%
5/1 Year ARM
6.000%
6.091%
7/1 Year ARM
6.250%
6.342%
10/1 Year ARM
6.375%
6.468%
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
Title
Rate
APR
InTENse 10 Year Fixed
6.250%
6.342%
Home Equity Line of Credit
6.740%
6.740%
All rates subject to change. No points and no annual fee.
VEHICLE RATES
New Titled and Untitled Vehicles 2024-2021
Years
APR
5.25%
6.49%
6.74%
6.99%
7.24%
7.99%
2020 – 2019 Vehicles
Years
APR
5.99%
6.74%
6.99%
6.99%
7.24%
2018 – 2017 Vehicles
Years
APR
7.24%
7.49%
7.49%
7.74%
2016 – 2014 Vehicles
Years
APR
7.24%
7.49%
7.49%
7.74%
2013 and Older Vehicles
Years
APR
8.24%
8.49%
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 vehicles over $35,000.
RV RATES
2021 and Newer RVs
Years
APR
3 Years
7.49%
4 Years
7.74%
5 Years
7.99%
6 Years
8.24%
7 Years
8.99%
8 – 10 Years
10.99%
2020 – 2019 RVs
Years
APR
3 Years
7.74%
4 Years
7.99%
5 Years
7.99%
2018 – 2017 RVs
Years
APR
3 Years
8.99%
8.99%
9.24%
2016 – 2014 RVs
Years
APR
8.99%
8.99%
2013 and Older RVs
Years
APR
9.99%
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 recreational vehicles over $35,000.
CREDIT CARD RATES
Credit Cards
Title
Title
PERSONAL LOAN RATES
Unsecured Loan
Months
Rate
12 Months
9.00%
24 Months
10.00%
36 Months
11.00%
48 Months
12.00%
60 Months
13.00%
Cross Collateral and Signature Loan rates shown above are AS LOW AS and are subject to change. RATES QUOTED ABOVE ARE SHOWING ALL DISCOUNTS.Any term over the minimum goes to the next higher term for rate. Rewards and credit qualifications apply.