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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 2021 & Newer

APR as low as
Up to 48 Months 1.99%
49 to 66 months 1.99%
67-84 months 3.25%
85-120 months 4.25%

Auto Loans 2016-2020

APR as low as
Up to 60 months 2.99%
61-72 months 3.99%

Auto Loans 2015 & Older

APR as low as
Up to 60 months 5.99%

Classic Vehicles

APR as low as
Up to 84 months 3.99%
85-144 months 4.99%
145-180 months 5.49%

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. New Auto 85-120 month terms require a $60,000 minimum loan amount. Classic vehicles 85-144 months terms require a $50,000 minimum loan amount. Classic vehicles 145-180 months terms require a $75,000 minimum loan amount. Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.


Recreational Loan Rates

RVs & Trailers 2021 & newer

APR as low as
Up to 60 months 3.49%
61 to 96 months 3.49%
97 to 120 months 3.74%
121 to 144 months 4.49%
145 to 180 months 4.74%

RVs & Trailers 2020 & older

APR as low as
Up to 60 months 3.99%
61 to 96 months 4.74%
97 to 120 months 5.24%
121 to 144 months 5.99%

Boats & Watercraft 2021 & newer

APR as low as
Up to 60 months 2.99%
61 to 96 months 3.24%
97 to 120 months 3.54%
121 to 180 months 3.99%

Boats & Watercraft 2020 & older

APR as low as
Up to 84 months 3.99%
85 to 144 months 4.99%

Motorcycles & ATVs 2021 & newer

APR as low as
Up to 60 months 4.24%
61 to 84 months 4.99%
85 to 96 months 6.74%
97 to 120 months 6.99%

Motorcycles & ATVs 2020 & older, new or used Lawn Tractors

APR as low as
Up to 60 months 5.24%
61 to 84 months 6.49%
85 to 96 months 6.99%

Snowmobiles 2021 and newer

APR as low as
Up to 60 months 3.99%
61 to 84 months 4.99%
85 to 96 months 6.49%

Snowmobiles 2020 and older

APR as low as
Up to 60 months 4.99%
61 to 84 months 5.99%
85 to 96 months 6.99%

APR = Annual Percentage Rate.
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. $12,500 minimum loan amount required for RVs & Trailers 2020 & newer 61-96 month terms. $12,500 minimum loan amount required for Boats & Watercraft 2020 & newer 61-96 months terms. $12,500 minimum loan amount required for RVs & Trailers 2019 & older 61 to 96 months terms. $15,000 minimum loan amount required for RVs & Trailers 2020 & newer 97 to 120 month terms. $15,000 minimum loan amount required for Boats & watercraft 2020 & newer 97-120 months terms. $15,000 minimum loan amount required for Motorcycles & ATVs 2020 & newer 85-96 months terms. $15,000 minimum loan amount required for Motorcycles & ATVs 2019 & older 85-96 months terms. $15,000 minimum loan amount required for RVs & Trailers 2019 & older 97 to 120 months terms. $20,000 minimum loan amount required for Motorcycles & ATVs 2020 & newer 97-120 months terms. $25,000 minimum loan amount required for Boats & watercraft 2019 & newer 121-180 months terms. $25,000 minimum loan amount required for Boats & watercraft 2019 and older 85 to 144 months terms. $20,000 minimum loan amount for RVs & Trailers 2020 & newer 121 to 144 month terms. $15,000 minimum loan amount required for New & Used Lawn Tractors 85-96 months terms. $30,000 minimum loan amount required for RVs & Trailers 2020 & newer 145 to 180 months terms. $20,000 minimum loan amount required for RVs & Trailers 2019 & older 121-144 months terms.


Helping Hand Loan Rates

Tuition Loan (K-12)

APR as low as
Up to 12 months 4.00%

Unsecured Loans (includes Celebration Loan and Home Improvement Loan)

APR as low as
Up to 24 months 4.99%
25 to 36 months 4.99%
37 to 48 months 5.99%
49 to 60 months 8.99%

Deposit Secured Loans

APR as low as
Credit Builder Up to 12 months 4.00%
Deposit Secured Up to 60 months share rate + 3.50%

Christmas Loan

APR as low as
Up to 12 Months 3.99%

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 $ 25,000. Credit Builder secured loan maximum loan amount is $2,000. Funds are not disbursed at the time of closing and will become available as principal payments are made to the loan balance. 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. Christmas Loan offer expires 12/31/2021. 12 month term. Maximum loan amount is $3,000. Existing ACCU loans are ineligible for promotional rates. One Christmas loan per account.


Overdraft Protection Line of Credit

APR = Annual Percentage Rate. All rates subject to change without notice. Maximum credit limit of $5,000.00.


Home Equity Line of Credit

‡APR Refers to Annual Percentage Rate. Home Equity Line Of Credit (HELOC) Special APR offer expires 12/31/2021. HELOC Special APR of as low as 2.99% is fixed for 24 months from the date of closing and variable thereafter. 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 4.50% as of 3/15/2020. The maximum APR that can apply is 18.00%. Combined loan-to-value up to 90%. Rates apply to new lines only and may not apply to existing HELOC accounts. Rates, terms and conditions are set by the Board of Directors and are subject to change without notice. Origination fee of $299 will be collected at the time of application on all applications up to $100,000. Origination fee of $549 will be collected at the time of application on all applications over $100,000.


Credit Card Rates

VISA

APR as low as
Purchases, Balance Transfers & Cash Advances 9.90%

Annual Percentage Rate (APR) when you open your account based on your credit worthiness. Your 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 our New Balance by the Payment Due Date. No minimum interest charge. No annual fee. The minimum Visa credit limit is $500. Foreign transaction fee equal to 1% of each transaction in U.S. Dollars. Penalty Fee for Late Payment and Returned Payment up to $30.00. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Protection Bureau at https://www.consumerfinance.gov/learnmore.



Mortgage Rates

To get a rate quote click here.