Loan Rates

Vehicle Loans

VEHICLE LOANS New and Used 2006-2017

Autos & Motorcycles

APR* as low as Term 2 Payment example
3.25% ** 36 months $291.93
3.75% ** 60 months $183.06
4.50% ** 72 months $158.76
5.00% ** 84 months $141.36

*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 between 61 – 72 months – $10,000 minimum amount financed. Secured loan terms between 73 – 84 months – $20,000 minimum amount financed. Rates for vehicles older than 12 model years or over 120,000 miles will be higher than those shown below. ²Payment example given is the monthly payment per $10,000 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 3.25% APR.

Boats, RVs, Trailers, etc.

APR* as low as Term 2 Payment example
4.50% ** 0-60 months $186.45
5.50% ** 61-72 months $163.40
5.75% ** 73-84 months $144.91
6.75% ** 85-120 months $114.85

*APR=Annual Percentage Rate. **Rate disclosed with an asterisk (**) represents the lowest possible APR for that loan. Rate based on credit worthiness, term and other conditions. Contact us to determine your qualifying APR. Secured loan terms between 61 – 72 months – $15,000 minimum amount financed. Secured loan terms between 73 – 84 months – $20,000 minimum amount financed. Secured loan terms between 85 – 120 months – $30,000 minimum amount financed. ²Payment example given is the monthly payment per $10,000 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 4.50% APR.

Use the Loan Calculator to estimate your monthly payment.

Personal Loans

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 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.

APR* as low as Term 2 Payment example
7.50% ** 60 months $20.05

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% 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 3.25% APR.

APR* Term 2 Payment example
3.25% 36 months $29.20
3.75% 60 months $18.31
4.50% 72 months $15.88
5.00% 84 months $14.14

Use the Loan Calculator to estimate your monthly payment.

 

ADDITIONAL LOANS

Loan Type APR*
Overdraft Protection Loans 12.00%

*APR = Annual Percentage Rate. 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. Finance charge based off of APR and total loan amount ($1000.00 max).

 

Loan Type APR*
MasterCard Credit Card No annual fee 6.75% to 18.00% when you open your account, based on your creditworthiness

*APR=Annual Percentage Rate. Your APR will be based on your creditworthiness at the time you open your account. Americo 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.

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Mortgage Loans

MORTGAGE LOANS

Mortgage 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. 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
3.75% up to 10 years $100.08
3.75% up to 15 years $72.74

*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
3.99% 60 months $184.15
4.49% 120 months $103.62
4.99% 180 months $79.06

*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
4.25% up to 120 months $102.46

*APR = Annual Percentage Rate Minimum loan amount is $10,000.00. ***Home Equity Loans are variable rate loans – rate based on Prime Rate published in the Wall Street Journal, plus or minus an index. Rate is 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 deductible, 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.