Loans
Loans the Access Way …
Call us to explore the best rates and options for your loan.
Loan Number: 806-322-5626 (LOAN)

*Annual Percentage Rates(APR) are subject to change without notice
**Rates Effective as of 11/2/2020
***Stated rates include “All Access Member” Discounts
Type of Loan | Months
Loan Term* |
New Vehicle (5 Years & Newer) Current Rates As Low As |
Used Vehicle (6 Years & Older) Current Rates As Low As |
New and Used Autos |
|||
Up to 24 | 1.99% | 3.49% | |
25 to 36 | 1.99% | 3.49% | |
37 to 48 | 1.99% | 3.49% | |
49 to 60 | 1.99% | 3.49% | |
61 to 72 | 1.99% | 3.79% | |
73 to 84 | 2.99% | N/A | |
Travel Trailer, Boat
Motorhome, RV, Motorcycle, ATV and UTV
Months Loan Term* |
Current Rates As Low As |
Up to 24 | 3.99% |
25 to 36 | 3.99% |
37 to 48 | 3.99% |
49 to 60 | 3.99% |
61 to 72 | 4.49% |
73 to 84 | 5.49% |
85 to 120 | 5.99% |
121 to 144 | 5.99% |
145 to 180 | 6.49% |
85 months and beyond are RV and Boat only.
Access to Freedom (Debt Consolidation)
Months Rates
Up to 72 As Low as 9.99%
*Rates vary and are contingent on credit scores.
Type of Loan | Months
Loan Term* |
Current Rates
As Low As |
Signature | Up to 60 | 10.90% |
Shared Secure | 2% over Current Share Dividend Paid |
|
Certificate Secured Loans | Up to term of CD 2% over CD Rate |
|
Access Advance Line of Credit |
$25 Min. Pmt. | As Low as 10.9% APR Line of Credit |
Home Equity (Up to 80% Fair Market Value, $15,000 min.) |
||
5 Year | 4.00% | |
10 Year | 4.00% | |
15 Year | 4.00% | |
20 Year | 4.625% | |
30 Year | 4.625% | |
Wedding Loan | Up to 60 | As Low as 8.90% |
HVAC | Up to 60 | As Low as 8.90% |
• Loan Calculators
• Major Mechanical Protection
• GAP-Guaranteed Asset Protection
• Auto Buying Service
• CARFAX
Loans, the Access Way….
At Access Community Credit Union, we understand that purchasing an automobile can be one of the most important decisions concerning a family or individual’s financial security. That’s why we’ve committed ourselves to creating a friendly and trustworthy environment to analyze your particular situation and help educate and inform you on all the answers and options of your purchase. At ACCU, we don’t just see an opportunity to finance your vehicle, but rather to become a long term partner in protecting your family’s best interest. We desire to be your source for trustworthy advice. We believe and hope in doing so, that you’ll trust us again in the future and you’ll be comfortable and confident in referring family, friends and coworkers. We can’t do every loan request, but if you’re serious about your financial security, we’ll take the time to give you a road map of actions that will help your credit and financial security for the future.
-Sean N. Amarillo, TX / Member Since 2009
-Abby P. Amarillo, TX / Member Since 2004


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.