Make Americo Federal Credit Union your choice for financing! 
 It's easy to apply for an Americo FCU loan.
Apply in person, or apply online using Online Lending.

Bring Your Auto Loan Home

February 1 through February 29, 2012

Refinance your existing AUTO LOAN financed by another lender 
and we will beat THEIR loan rate by 1.00% APR*

*APR=Annual Percentage Rate.  This offer applies to refinancing an auto loan financed by another lender only.  Existing Americo FCU auto loans are not eligible.  Subject to credit approval.  Proof of rate and term required.  Rate and term based on existing rate and term.  Minimum rate for this promotion is 2.75% APR.  We will refinance the loan for the remaining term of the loan as long as the requested loan amount is within book value.  Certain restrictions may apply.  Call loan department for details.  Payment example:  the monthly payment on a $10,000.00 vehicle loan at 2.75% APR* for 60 months is $178.59.
1/17/12

2nd Mortgage Loan Special

February 1 through February 29, 2012

Application fees for 2nd Mortgage and Home Equity Loans 
are waived during this special

2nd Mortgage Loans ~ Fixed Rate, closed-end loan 

90% equity	Term
4.24% APR*	60 months
4.49% APR*	84 months
4.99% APR*	144 months
5.24% APR*	180 months

Home Equity Loans ~ Variable Rate**, open-end loan

80% equity	Term
3.25% APR*	up to 10 years

Minimum loan amount $5,000.00 new money

*APR=Annual Percentage Rate.  Loan rates subject to change without notice.  Loans subject to credit approval.  Certain restrictions may apply.  Application fees for 2nd Mortgage and Home Equity Loans are waived during this special.  Other fees apply.  Minimum loan amount is $5,000.00 new money.  Mortgage loans limited to primary residences located in Erie and Crawford Counties in PA.  Property insurance is required.  Americo FCU membership is required.  Must maintain $5.00 minimum balance in savings (01) account.  **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 variable rate loan.  The maximum Annual Percentage Rate that can apply is 18% or the maximum permitted by law, whichever is less.  Estimated monthly payments on $5,000.00 borrowed at 4.24% for 60 months is $92.64, 4.49% for 84 months is $69.49, 4.99% for 144 months is $46.23, 5.24% for 180 months is $40.18, 3.25% for 120 months is $48.87.  Your interest may be tax deductible, consult your tax advisor.  For more information on mortgage interest rates, limits or fee schedules, please contact loan department.
1/17/12

 To calculate payments based on amount borrowed and various repayment schedules, click here.
 
TERMS and CONDITIONS
*APR = Annual Percentage Rate.  
All loans subject to credit approval.  All loan rates subject to change without notice.  Rates, terms and fees are available.  Americo FCU membership is required take advantage of loan offers.  Must maintain $5.00 minimum balance in savings (01) account.  

Mortgage loans limited to primary residences located in Erie and Crawford Counties in PA.  Property insurance is required.  Minimum loan amount $5,000.00.  Mortgage application fees up to $350.00 may apply.  Other fees apply.  Maximum loan-to-value of 80%.  Other restrictions may apply.  
**Home Equity Loans are variable rate open-end loans - rate based on Prime Rate and subject to change quarterly.  The annual percentage rate may increase after consummaiton of the Home Equity variable rate loan.  The maximum Annual Percentage Rate that can apply is 18% or the maximum permitted by law, whichever is less.  Contact loan department at (814) 899-6608 or (814) 833-0433 for complete information.  

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