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Rates as of February 1, 2012
LOAN RATES
Rates effective as of the date shown above. All loan rates subject to change without notice.
Cars, Trucks and Motorcycle Loans
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Cars, Trucks, Motorcycle Loans
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APR*
New
|
APR*
Used
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Term
|
| |
3.49%
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3.99%
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0 - 48 months |
| |
3.99%
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4.74%
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49 - 60 months |
| over $15,000 |
4.49%
|
4.74%
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61 - 72 months |
| new only, over $15,000 |
5.49%
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n/a
|
73 - 84 months |
*APR = Annual Percentage Rate
Maximum term for loans under $10,000
36 months for 2007 and older models
48 months for 2008 and newer models
Calculator
Recreational Vehicle Loans
| RV's, Boats, Motor Homes, Jet Ski's, Snowmobiles |
APR*
New
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APR*
Used
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Term
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| RV's |
5.99%
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6.99%
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0 - 60 months |
| RV's - over $15,000 |
6.49%
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7.24%
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61 - 84 months
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| RV's - over $15,000 |
7.75%
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8.49%
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85 -120 months |
* APR = Annual Percentage Rate
We will finance up to 80% of purchase price with approved NADA book value plus tax, license, warranty and GAP insurance. Other restrictions apply.
Calculator
Mortgage Loans
Mortgages loans are limited to primary residences located in Erie and Crawford Counties in PA.
Property insurance is required. Minimum loan amount is $5,000.00. Mortgage application fees may 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 regarding the deductibility of interest. Contact loan department for additional information. Americo FCU membership is required. Must maintain $5.00 minimum balance in savings (01) account. For more information on mortgage interest rates, limits, or fee schedule, please contact us at (814) 899-6608.
| First Mortgage fixed rate |
APR*
80% equity
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Term
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| First Mortgage |
4.74%
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up to 10 years
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| First Mortgage |
4.74%
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up to 15 years
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*APR = Annual Percentage Rate
| Second Mortgage fixed rate, closed-end loan |
APR*
90% equity
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Term
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| Second Mortgage |
4.24%
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0 - 60 months
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| Second Mortgage |
4.49%
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61 - 84 months
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Second Mortgage
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4.99%
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85-144 months
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Second Mortgage
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5.24%
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145-180 months
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*APR = Annual Percentage Rate
Calculator
| Home Equity variable rate***, open-end loan |
APR*
80% equity
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Term
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| Home Equity |
3.25%
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up to 120 months
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*APR = Annual Percentage Rate
***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 that can apply is 18% or the maximum permitted by law, whichever is less. Property insurance is required. Americo FCU membership is required. Membership Share $5.00 par value (par value is not a fee). Your interest may be tax deductable. Consult your tax advisor. For more information on mortgage interest rates, limits or fee schedules, please contact the loan department. Estimated monthly payment on $5,000 borrowed at 3.25%APR for 120 months is $48.88 on a Home Equity variable rate loan.
All loan rates subject to change without notice. All loans subject to credit approval.
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Additional Loans
| Loan Type |
APR*
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Term
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| Personal Loan |
10.99%
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60 months
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| Computer Loans |
8.00%
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60 months
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| Education Loans |
8.00%
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60 months
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| Vacation Loans |
10.00%
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12 months |
| Share Secured Loans |
3.25%
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60 months
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| Overdraft Protection Loans |
12.00%
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MasterCard® Credit Card
No annual fee
Same low rate for cash advances, purchases,
and balance transfers
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11.88%
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click here to get your credit card application started
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*APR = Annual Percentage Rate.
Calculator
APR=Annual Percentage Rate.
All rates subject to change without notice. All loans are subject to credit approval. Certain terms and conditions may apply. Americo FCU membership is required. Must maintain $5.00 minimum balance in savings (01) account.
Contact a loan officer for additional information at (814) 899-6608 or (814) 833-0433.
Use the Loan Calculator to estimate your monthly payment.
 We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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