Loan Rates

With our super low lending rates, we can get you on the road, water, or in your dream home today. We invite you to peruse our rates below or apply for a loan with AMOCO today.

ALL LOAN RATES -Effective 04/1/25

Jump to:

Car with percentage sign

Vehicle Loan Rates

New And Used Autos

Terms	Minimum APR¹	Maximum APR
Up to 36 Months	5.14%	15.64%
37 – 48 Months	5.39%	15.89%
49 – 60 Months	5.79%	16.54%
61 – 75 Months	6.04%	16.79%
76 – 84 Months²	6.79%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. ²Minimum loan amount is $35,000+.

New And Used Motorcycle

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 – 75 Months	9.65%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications.

New And Used Boat

Terms	Minimum APR¹	Maximum APR
Up to 60 months	9.40%	18.00%
61 – 84 months	9.65%	18.00%
85 – 96 months²	9.90%	18.00%
97 – 120 months²	10.15%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. ²Minimum loan amount is $35,000+ and cannot be more than 7 years old.

New And Used Jet Ski

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 – 72 Months	9.65%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications.

New And Used RV/Motor Home

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 – 84 Months	9.65%	18.00%
85 – 96 Months²	9.90%	18.00%
97 – 120 Months²	10.15%	18.00%
121 – 144 Months³	10.90%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. The maximum term for travel trailers/motor homes is 144 months. ²Used travel trailers/motor homes 85 -120 months requires a loan amount of $35,000 or more and collateral seven (7) years or old or newer. ³Used travel trailer/motor home 121-144 months requires a loan amount of $50,000 or more and collateral five (5) years old or newer.

Specialty Collateral

Specialty Collateral Loan Rates

Special Collateral

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 – 75 Months	9.65%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications.

Handshake

Personal Loan Rates

Personal Loan

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	10.05%	18.00%
61 – 84 Months	11.05%	18.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Debt Consolidation Loan

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	12.05%	18.00%
61 – 84 Months	13.05%	18.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Credit Builder And Mender Loan

Terms	Minimum APR¹
Up to 24 Months	4.90%
Up to 36 Months	4.90%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Disaster Preparedness Loan

Terms	Minimum APR¹ (has an AMOCO Mortgage Loan)	Minimum APR	Maximum APR
Up to 60 Months	8.05%	10.05%	18.00%
61 – 84 Months	9.05%	11.05%	18.00%

¹All rates shown are annual percentage rates and discounted rate shown are for members that have an AMOCO Mortgage Loan. Rates and terms determined by borrower’s credit qualifications.

Shared Secured

Terms	Minimum APR¹
Up to 60 Months	4.90%
61 – 144 Months	5.90%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Term	Minimum APR¹ + Term Share Certificate Rate
Up to 144 Months	2.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

FFA

Term	Minimum APR¹	Maximum APR
12 Months 1 Payment Loan	8.50%	18.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Home with percentage sign

Mortgage Loans Rates

Mortgage Loans

Mortgage Loan Type	Terms	Best Rate¹
Purchase or Refinance	Up to 30 Years	Get A Quote
Made For You Mortgage	Up to 30 Years	Get A Quote
1st Lien Home Equity	Up to 30 Years	Get A Quote
2nd Lien Home Equity	Up to 20 Years	Get A Quote
Construction Mortgage Loan	Up to 30 Years	Get A Quote
Swimming Pool Loan	Up to 15 Years	Get A Quote
Unimproved Land Loans	Up to 15 Years	Get A Quote
Vacation Home Loan	Up to 30 Years	Get A Quote
Investment/Rental Property	Up to 30 Years	Get A Quote

¹Rate determined by term, LTV (Loan-to-value, available and borrower’s credit qualifications. Rates displayed include maximum LTV discount.)

Front and back credit card

Rewards Credit MasterCard Rates

Rewards Credit Card

Term	Intro APR**	Minimum APR¹	Maximum APR
Revolving	0% For 6 Months	11.40%	18.00%

All rates shown are annual percentage rates. **Intro Fixed Rate applicable until the first day of the billing cycle that includes the 6 month anniversary date of the opening of your account. Standard rate thereafter as shown above. ¹The standard APRs will vary with the market based on the Prime Rate. Rates and terms determined by borrower’s credit qualifications.

External Link Disclosure

By accessing this link, you will be leaving AMOCO FCU's website and entering a website hosted by another party.

Although AMOCO has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the credit union's website. The other party is solely responsible for the content of its website.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the credit union.

You will be redirected to

Click the link above to continue or CANCEL