Effective 6/1/2026
Vehicle Loans
| Loan Type | 24 month | 36 month | 48 month | 60 month | 72 month | 84 month | 96 month |
|---|---|---|---|---|---|---|---|
| Auto – New and Used | 3.99% – 17.25% | 3.99% – 17.25% | 5.0% – 17.75% | 5.5% – 17.75% | 6.0% – 17.75% | 6.5% – 17.75% | 7.0% – 17.75% |
| Boats | 3.99% – 17.25% | 3.99% – 17.25% | 5.0% – 17.75% | 5.5% – 17.75% | 6.0% – 17.75% | 6.5% – 17.75% | 7.0% – 17.75% |
| RVs | 3.99% – 17.25% | 3.99% – 17.25% | 5.0% – 17.75% | 5.5% – 17.75% | 6.0% – 17.75% | 6.5% – 17.75% | 7.0% – 17.75% |
| Motorcycles | 3.99% – 17.25% | 3.99% – 17.25% | 5.0% – 17.75% | 5.5% – 17.75% | 6.0% – 17.75% | 6.5% – 17.75% | 7.0% – 17.75% |
| Title Loans | 18.00% |
*Rates may vary from the rate shown based on your credit score. Preferred borrower rates apply. (Rates current as of 6/1/2026 and are subject to change without notice.) Auto Loan rates available for vehicles not previously financed at American Spirit Federal Credit Union.
Fixed Rate Home Equity (2nd Lien) Loans
| 5 Year | 10 Year | 15 Year | |||
|---|---|---|---|---|---|
| Loan-to-Value | APR as Low As* | Loan-to-Value | APR as Low As* | Loan-to-Value | APR as Low As* |
| 50% | 6.50% – 10.00% | 50% | 7.50% – 10.25% | 50% | 9.00% – 12.00% |
| 60% | 8.50% – 13.00% | 60% | 9.00% – 14.00% | 60% | 9.50% – 15.00% |
| 70% | 9.50% – 14.00% | 70% | 10.00% – 15.00% | 70% | 11.50% – 17.00% |
* Home Equity Loan (1st Lien) 0.25% lower rates.
*Rates may vary from the rate shown based on your credit score. Preferred borrower rates apply. (Rates current as of 6/12/2026 and are subject to change without notice.) Auto Loan rates available for vehicles not previously financed at American Spirit Federal Credit Union.
Home Equity Line of Credit Loans
7.00%
Unsecured Loans
10.65% – 18.00%
Share Secured Loans (Shares, Money Market Accounts, Certificates)
(See Loanliner® Addendum for rate change disclosure)
2% above share rate.
Rates are subject to change without notice.
*Rates are subject to change as determined by the board of directors.
Make Vehicle Loan payments through payroll deduction, Homebanking, Teller Phone, through the mail or at our branch office.
We are Competitive. You can borrow up to 100% of retail at a competitive interest rate and there’s no penalty for early loan payoff.
Competitive interest rate based on your credit rating. The loan rate applicable to you may vary from the rates quoted. Loan rates are based upon the borrower’s credit history.
American Spirit Federal Credit Union is an equal housing lender.