Discover Our 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 Alliance Catholic 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!
VEHICLE LOAN RATES
Auto Loans 2023 & Newer
Years
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 48 Months
4.74%
$22.91
N/A
49 to 60 months
4.99%
$18.87
N/A
61-72 months
5.24%
$16.22
N/A
73-84 months
5.74%
$14.49
N/A
85-96 months
6.49%
$13.39
$50,000
97-120 months
7.49%
$11.87
$70,000
Auto Loans 2019-2022
Years
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 48 months
4.99%
$23.03
N/A
49-60 months
5.24%
$18.98
N/A
61-72 months
5.49%
$16.34
N/A
73-84 months
6.24%
$14.73
N/A
Auto Loans 2018 & Older
Years
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 48 months
6.49%
$23.72
N/A
49-60 months
7.49%
$20.04
N/A
Classic / Special Interest Vehicles
Years
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 84 months
6.24%
$14.73
N/A
85-144 months
7.24%
$10.42
$50,000
145-180 months
8.24%
$9.70
$70,000
APR = Annual Percentage Rate. Annual Percentage Rates are based on member’s credit profile. All loans are subject to approval and membership eligibility. Rates, terms and conditions are set by the Board of Directors and are subject to change without notice. Refinances must be from another institution to qualify for rate special. Existing ACCU loans are ineligible for promotional rates. All rates subject to change without notice. Rates based on your credit bureau score. The rates listed above are for members who have excellent credit. Rates increase if there have been previous credit problems. Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.
RECREATIONAL LOAN RATES
RVs & Trailers 2025 & newer
Months
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 60 months
6.24%
$19.45
N/A
61 to 96 months
6.49%
$13.39
$12,500
97 to 120 months
6.74%
$11.48
$20,000
121 to 144 months
6.99%
$10.28
$25,000
145 to 180 months
7.24%
$9.13
$35,000
181-240 months
8.24%
$8.52
$70,000
RVs & Trailers 2024 & older
Months
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 60 months
6.74%
$19.68
N/A
61 to 96 months
6.99%
$13.63
$12,500
97 to 120 months
7.24%
$11.74
$15,000
121 to 144 months
7.49%
$10.55
$20,000
Boats 2025 & newer
Months
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 60 months
5.99%
$19.34
N/A
61 to 96 months
5.99%
$13.14
$12,500
97 to 120 months
6.24%
$11.23
$20,000
121 to 180 months
6.99%
$8.99
$35,000
181 to 240 months
7.99%
$8.37
$70,000
Boats 2024 & older
Months
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 84 months
7.49%
$15.34
N/A
85 to 144 months
8.19%
$10.94
$25,000
Motorcycles, ATVs, Personal Watercraft & Snowmobiles 2025 & newer
Months
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 60 months
6.99%
$19.81
N/A
61 to 84 months
7.24%
$15.21
N/A
85 to 96 months
7.49%
$13.88
$15,000
97 to 120 months
8.49%
$12.40
$20,000
Motorcycles, ATVs, Personal Watercraft & Snowmobiles 2024 & older, new or used Lawn Tractors
Months
APR as low as
Monthly Payment per $1000
Minimum Loan Amount
Up to 60 months
7.49%
$20.03
N/A
61 to 84 months
7.74%
$15.46
N/A
85 to 96 months
7.99%
$14.14
$15,000
OVERDRAFT PROTECTION LINE OF CREDIT
Months
APR
Maximum Credit Limit of $5,000
15.00%
APR = Annual Percentage Rate. All rates subject to change without notice. Maximum credit limit of $5,000.00.
HELPING HAND LOAN RATES
AllianceCash
Months
APR as low as
Monthly Payment per $1000
Up to 12 months
19.99%
$92.62
APR = Annual Percentage Rate. Eligibility is limited to Primary Account Holders who have been members for at least 90 days. Loan qualification is relationship-based, and all terms are subject to change. Loan amounts range from $500 to $2,000. APR is fixed at 19.99%. Automatic payments will be scheduled from either your checking or savings unless you opt out. Loan payments are due monthly and will be deducted automatically unless otherwise arranged. By selecting to begin the application, you authorize Alliance Catholic CU to debit the $20 loan application fee from your account. This fee is non-refundable and will be charged whether or not your loan is approved or funded. Annual Percentage Rate. Programs, rates, terms and conditions are subject to change without notice. No more than two AllianceCash Loans at same time. Other conditions may apply.
Tuition Loan (K-12)
Months
APR as low as
Monthly Payment per $1000
Up to 12 months
4.00%
$85.16
Unsecured Loans (includes Celebration Loan and Home Improvement Loan)
Months
APR as low as
Monthly Payment per $1000
Up to 36 months
13.24%
$33.80
37 to 48 months
14.24%
$27.44
49 to 60 months
15.24%
$23.91
Deposit Secured Loans
Months
APR as low as
Monthly Payment per $1000
Deposit Secured Up to 60 months
share rate + 3.50%
$18.22
APR = Annual Percentage Rate. All rates subject to change without notice. Existing ACCU loans are ineligible for promotional rates. Rates based on your credit bureau score. The rates listed above are “as low as” and for members who have excellent credit. Rates increase if there have been previous credit problems. Deposit Secured Loans require money held on deposit as collateral and rate based on type of deposit used to secure the loan. CD secure loan terms vary. Share Secured maximum credit limit $10,000. Unsecured Loan minimum loan amount $500 with a maximum credit limit of $30,000. All loans are subject to approval and membership eligibility. Must be at least 18 years of age to apply, must be in good standing with Alliance Catholic Credit Union and may not have an open loan in a modification/workout status through Credit Solutions. Restrictions may apply. Tuition Loan available for grades K-12, fixed rate upon approval.
HOME EQUITY LINE OF CREDIT
Months
APR as low as
Fixed for 12 months
4.99%
‡APR Refers to Annual Percentage Rate. Home Equity Line Of Credit (HELOC) Special Intro APR offer expires 6/30/2026. HELOC Special APR of as low as 4.99%APR is fixed for 12 months from the date of closing and variable thereafter. After Intro Period, HELOC APR is variable and based upon an index plus or minus a margin. Variable APR is based on the highest Prime Rate reported in the Money Rates Section of the Wall Street Journal on the 25th day (or next business day) of the last month of the quarter, to be effective on the first day of the new quarter (“Index”), plus or minus a margin. Your rate will be based on your credit profile. Minimum APR is 4.50%; current APR as low as 6.50% as of 4/1/2026. The maximum APR that can apply is 18.00%. Combined loan-to-value up to 80%. Intro Rates apply to new lines only and not to existing HELOC accounts. Origination fee of $349 for HELOC applications up to $100,000 or $549 for HELOC applications over $100,000 will be collected at time of application.
CREDIT CARD RATES
Mastercard (Non-Rewards)
Purchases, Balance Transfers & Cash Advances
APR* as low as
Purchases, Balance Transfers & Cash Advances
12.00%
Mastercard (with Rewards)
Purchases, Balance Transfers & Cash Advances
APR* as low as
Purchases, Balance Transfers & Cash Advances
13.50%
Business Mastercard (Non-Rewards)
Purchases, Balance Transfers & Cash Advances
APR* as low as
Purchases, Balance Transfers & Cash Advances
12.00%
Business Mastercard (with Rewards)
Purchases, Balance Transfers & Cash Advances
APR* as low as
Purchases, Balance Transfers & Cash Advances
13.50%
*Qualifying balance transfers will be charged a fixed promotional rate of 3.99% APR for a term of 18 months on the balance transfer amount. The 3.99% balance transfer offer is good for any existing or new Alliance Catholic Credit Card that has the available credit limit to perform the transfer and is in good standing. Offer cannot be used to pay-off or pay-down an existing Alliance Catholic Credit Union Credit Card or loan. Rates are subject to change at any time without prior notice.
Except when the promotional rate applies, the Annual Percentage Rate (APR) when you open your account is based on your credit worthiness and is variable, based upon a margin plus index. Variable APR is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the last calendar day of each month (“Index”) plus our margin. The Index plus the margin equals the APR. Changes in the Index will cause changes in the APR on the next full billing cycle that immediately follows a change in the Index. Except when the promotional rate applies, the current APR is as low as 12.00% for Non-Rewards Card and as low as 13.50% for Rewards Card as of 4/01/2026, and the maximum APR that can apply is 22.50%. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the Payment Due Date. No minimum interest charge. The minimum Mastercard credit limit is $500. Foreign transaction fee equal to 2% of each transaction in U.S. Dollars. Penalty Fee for Late Payment and Returned Payment up to $33.00. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.
MORTGAGE RATES
To get a rate quote click here.