Access Credit Union - Amarillo, Texas

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ALWAYS MEMBER-FRIENDLY LOANS

YOUR COMMUNITY CREDIT UNION---

LOAN RATES

AS LOW AS

4.99%* APR
(Annual Percentage Rate) 24 month term

ON NEW AND USED VEHICLES

*with approved discount

*A Full Service Member may get a 30 basis point discount off of the stated rate of any eligible loan. Check with the Credit Union for FSM requirements. For other members that may not qualify for FSM, a 10 basis point discount is available when a loan is set up on payroll deduction, automatic transfer, or ACH payment, and 10 basis point discount if he/she has a checking account with ACCU or if the member has $25,000 or more on deposit with Access Community Credit Union. These options apply to all loans except Overdraft Protection, Redi Draft, Term Loans, Credit Card Loans, and in cases where the discount would take the share secured loans below the floor rate. These options are not available on sale rates and apply to new loans only.

Loan Calculator with Amortization Schedule

Rebate vs. CU Loan Calculator

CHECK OUT OUR COMPETITIVE RATES LISTED BELOW

TYPE OF LOAN

TERM*

ANNUAL
PERCENTAGE
RATE **

New and Used Vehicles
Cars, Pickups, SUVs, Vans, Motor Homes, 5th Wheels, Travel Trailers, Camping Trailers, Boats and/or Motors, and Jet Skis

Includes Tax, Title, & License

Motorcycles

(street, off road and ATV's)

Includes Tax, Title, & License

from 36 months to 120 months

from 36 months

to 60 months

As low as 4.99%

(**rates vary with loan policy criteria also additional discount available - see below)

As low as 7.24% (**rates vary with loan policy criteria- also additional discount available- see below)

Refinanced ACU Vehicles
(non-purchase - See details below.***)

same as above

call CU for details

Signature

Up to 42 months

As Low As:

9.90%

College

Up to 60 months

As Low As:

6.75%

Share Secured Loans (monthly pay)

Up to 60 month

61-120 months

2% Over Highest Current Share Dividend Paid With a Floor Rate of 4.90%

3% Over Highest Current Share Dividend Paid With a Floor Rate of 4.90%

Share Secured Loans (term)

Up to 12 months

2% Over Highest Current Share Dividend Paid With a Floor Rate of 4.90%

Loans Secured With ACU CDs

Up to Term of CD

2% Over CD Rate

MasterCard/VISA

payments - 3% of balance or $15.00 whichever is larger

Classic Card

Gold Card

Platinum Card

12.40%

7.49% -8.69%

Overdraft Protection

$25 minimum payment

18.00%

New Household Goods & Appliances
(including personal computers)

Up to 36 months

10.30%

Home Equity Loans
(Up to 80% Fair Market value-$15,000 minimum)

Up to 60 months

61-120 months

121-180 months

As Low As:

6.20%

6.70%

6.95%

Margin Stock
Purpose Credit
Non-purpose Credit

Up to 60 months
Up to 60 months

8.00%

8.50%

All rates are subject to change without notice and are based on the assumption that the member has acceptable credit. Also maximum term for a loan type will be determined by the loan policy.

* The maximum allowed term of a loan depends on the age and type of the collateral and the amount financed. For term and amount financed, please contact the Credit Union.

** A Full Service Member may get a 30 basis point discount off of the stated rate of any eligible loan. Check with the Credit Union for FSM requirements. For other members that may not qualify for FSM, a 10 basis point discount is available when a loan is set up on payroll deduction, automatic transfer, or ACH payment, and 10 basis point discount if he/she has a checking account with ACCU or if the member has $25,000 or more on deposit with Access Community Credit Union. These options apply to all loans except Overdraft Protection, Redi Draft, Term Loans, Credit Card Loans, and in cases where the discount would take the share secured loans below the floor rate. These options are not available on sale rates and apply to new loans only.

***A member can refinance any collateralized loan at ACCU at the current Loan Policy rates, including any sale rates (unless sale rates are for purchase money only). A $50.00 administrative fee will be charged if no new money is loaned.

Well, that can apply to a car purchase too. Access Community Credit Union has pledged itself to being all the financial institution you’ll ever need by providing all the products and services to finish a car purchase.

Find the vehicle of your dreams and make your best deal by letting us assist you with car prices and pre-approved loans. You’ll find out we not only provide the most competitive interest rates but give you the opportunity to purchase the “Major Mechanical Protection” coverage and GAP (Guaranteed Asset Protection) as well as Credit Life and Disability.

Yes, the dealership will offer you these products but we think you’ll be pleasantly surprised to discover our cost for these products is considerably lower. Add that to the lowest interest rates and you have an outstanding car deal all at one stop.

Major Mechanical Protection (MMP) is commonly referred to as extended warranty. We want you to know it’s so much more! You shouldn’t have to worry about your vehicle breaking down. As time goes on you’ll realize it’s inevitable. With MMP you can protect yourself against the expense of future costly repairs. We prepared a chart below showing the comparison on a repair of a major transmission breakdown if it occurred while you were on vacation:

Guaranteed Asset Protection (GAP) protects you against financial loss in the event your vehicle is damaged beyond repair (totaled) or stolen and never recovered. Since a vehicle's value declines as a result of depreciation, the loan balance can be higher than its Actual Cash Value (ACV). Without GAP coverage, you would be responsible for paying the difference between the insurance settlement and the outstanding loan balance. With GAP the balance is paid in full.

ASK A LOAN OFFICER TODAY ABOUT MAJOR MECHANICAL PROTECTION AND GUARANTEED ASSET PROTECTION; TWO MORE WAYS THAT...

The question for the consumer is, “Are the special deals exactly what they seem?” The consumer should keep in mind that, although these rates appear to be an excellent deal, there is almost always a catch.

So, before you say yes to a 0% deal, check it out. Determine for yourself if it is what it seems to be. And remember to click on the “calculators” page to figure payment options. Call the Credit Union for more details.