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

2 Years

5.25%

3 Years

6.49%

4 Years

6.74%

5 Years

6.99%

6 Years

7.24%

7 Years

7.99%

2020 – 2019 Vehicles

Years

APR

2 Years

5.99%

3 Years

6.74%

4 Years

6.99%

5 Years

6.99%

6 Years

7.24%

2018 – 2017 Vehicles

Years

APR

2 Years

7.24%

3 Years

7.49%

4 Years

7.49%

5 Years

7.74%

2016 – 2014 Vehicles

Years

APR

2 Years

7.24%

3 Years

7.49%

4 Years

7.49%

5 Years

7.74%

2013 and Older Vehicles

Years

APR

2 Years

8.24%

3 Years

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%

4 Years

8.99%

5 Years

9.24%

2016 – 2014 RVs

Years

APR

3 Years

8.99%

4 Years

8.99%

2013 and Older RVs

Years

APR

3 Year

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

MasterCard Elite
9.9%
MasterCard Regular
12.9%
All rates are subject to change. APR = Annual Percentage Rate.

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.