Americo Federal Credit Union
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Locations:
4101 Main Street
Erie, PA 16511
814-899-6608
814-899-6005 fax

2545 West 23 Street
Erie, PA 16506
814-833-0433
814-833-7299 fax

Loan Rates

 

VEHICLE LOANS   New and Used   2002-2014 
*APR=Annual Percentage Rate.  **Rate disclosed with an asterisk (**) represents the lowest possible APR for that Auto Loan.  Rate based on credit worthiness, term and other conditions.  Contact us to determine your qualifying APR.  Secured loan terms in excess of 72 months require a loan amount in excess of $10,000.  Secured loan terms in excess of 84 months require a loan amount in excess of $20,000.  Rates for vehicles 12 years and older or over 120,000 miles will be higher than those shown below. 
2Payment example given is the monthly payment per $1,000 borrowed for the rate and term specified. 
A .25% discount off your qualifying APR is available.  Member must enroll in auto payment to qualify for the .25% discount.  The minimum rate with any discount is 1.90% APR. 


Autos, Motorcycles, Boats, RVs, etc.

APR*
    as low as      

Term

2Payment
example

 

1.90% **

36 months

 $28.60
  2.40% **

 60 months

 $17.71
 

2.90% **

 84 months

 $13.18
                                              

3.50% **

 120 months

 $9.90

Use the Loan Calculator to estimate your monthly payment. 



PERSONAL LOANS     
    
                                                                                             
*APR=Annual Percentage Rate.  **Rate disclosed with an asterisk (**) represents the lowest possible APR for a Personal Loan.  Rate based on credit worthiness, term and other conditions.  Contact us to determine your qualifying APR.
2Payment example example given is the monthly payment per $1,000 borrowed for the rate and term specified.  A .25% discount off your qualifying APR is available.  Member must enroll in auto payment to qualify for the .25% discount.  The minimum rate with any discount is 1.90% APR.

Personal Loans

APR*
as low as

Term

2Payment example

 

6.75% **

60 months

 $19.69

Use the Loan Calculator to estimate your monthly payment.



SHARE SECURED LOANS

*APR=Annual  Percentage Rate.  2Payment example given is the monthly payment per $1,000 borrowed for the rate and term specified.  A .25% discound off your qualifying APR is available.  Member must enroll in auto payment to qualify for the .25% discount.  The minimum rate with any discound is 1.90% APR.

Share Secured Loans APR* Term 2Payment
example
  1.90% 36 months $28.60
  2.40% 60 months $17.71
  2.90% 84 months $13.18
  3.50% 120 months $9.90

Use the Loan Calculator to estimate your monthly payment.


  

MORTGAGE LOANS
Mortgages loans are limited to primary residences located in Erie and Crawford Counties in PA.  
Property insurance is required. Mortgage application fees from $500 to $650 apply.  Other fees apply.  Maximum loan-to-value of 80%.  Other restrictions may apply.  Interest on mortgage loans may be tax deductible, consult a tax advisor.  Contact loan department for additional information.  Americo FCU membership is required.  Membership Share $5.00 par value (par value is not a fee).  For more information on mortgage interest rates, limits, or fee schedule, please contact the loan department at (814) 899-6608.  Americo Federal Credit Union is an Equal Housing Lender licensed by the National Licensing System under NMLS #565406.

First Mortgage  fixed rate

APR*
80% equity

  Term         
 

Payment
Example²

First Mortgage

4.49%

up to 10 years 

$103.60

First Mortgage

4.49%

up to 15 years 

$76.46


*APR = Annual Percentage Rate
²The payment example given is the monthly payment per $10,000.00 borrowed for the rate and term specified and does not include taxes and insurance premiums.  Your payment may be greater.
Use the Loan Calculator to estimate your monthly payment.

 

Second Mortgage fixed rate, closed-end loan

    APR*   
80% equity

Term 

Payment
Example²

Second Mortgage

3.49%

   60 months 

$181.87

Second Mortgage

3.99%

120 months

$101.21

Second Mortgage

4.49%

180 months 

$76.46

*APR = Annual Percentage Rate.   Minimum loan amount is $10,000.00.
²The payment example given is the monthly payment per $10,000.00 borrowed for the rate and term specified and does not include taxes and insurance premiums.  Your payment may be greater.   
Use the Loan Calculator to estimate your monthly payment.

 

Home Equity  variable rate***, open-end loan

APR*
80% equity

Term 

Payment
Example²

Home Equity 

3.25%

up to 120 months

$97.74

*APR = Annual Percentage Rate   Minimum loan amount is $10,000.00.
***Home Equity Loans are variable rate loans - rate based on Prime Rate and subject to change quarterly.  The annual percentage rate may increase after consummation of the Home Equity Line of Credit.  The maximum annual percentage rate for a Home Equity Line of Credit that can apply is 18.00% or the maximum permitted by law, whichever is less - the minimum floor annual percentage rate that can apply is 1.00%.  Property insurance is required.  Americo FCU membership is required.  Application fees from $500 to $650 apply.  Membership Share $5.00 par value (par value is not a fee).  Interest on mortgage loans may be tax deductable, consult your tax advisor.  For more information on mortgage interest rates, limits or fee schedules, please contact the loan department.  
 
²The payment example given is the monthly payment per $10,000 borrowed for the rate and term specified and does not include taxes and insurance premiums.  Your payment may be greater.  


Use the Loan Calculator to estimate your monthly payment.



 
ADDITIONAL LOANS

 

Loan Type

APR*

 


Overdraft Protection Loans

12.00%

 

*APR = Annual Percentage Rate.   

Loan Type

APR*

 

MasterCard® Credit Card 
        No annual fee
               

 6.75% to 18.00%
when you open your account,
based on your creditworthiness.

 click here to get your 
credit card application started

*APR=Annual Percentage Rate.  Your APR will be based on your creditworthiness at the time you open
your account.  A
merico FCU membership is required.  Membership Share $5.00 par value (par value is
not a fee).   


All loan rates subject to change without notice.  All loans are subject to credit approval.  Certain terms and conditions may apply.  Americo FCU membership is required.  Membership Share $5.00 par value (par value is not a fee).  Contact a loan officer for additional information at (814) 899-6608.

   
We do business in accordance with the Federal Fair Housing Law 
and the Equal Credit Opportunity Act.  NMLS#565406.

 

 

 

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