Loans the Access Way …

Call us to explore the best rates and options for your loan.  

Loan Number: 806-322-5626 (LOAN)

Check Out Our Competitive Rates Listed Below:

*Annual Percentage Rates(APR) are subject to change without notice
**Rates Effective as of 07/28/2022
***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 36 4.49% 5.49%
37 to 72 5.49% 5.74%
73 to 84 6.49% N/A
85 to 96** 7.49% N/A

**85-96 Month term on new vehicles / minimum loan amount of $50,000

Travel Trailer, Boat
Motorhome, RV, Motorcycle, ATV and UTV

Loan Term*
Current Rates
As Low As
Up to 24 5.99%
25 to 36 5.99%
37 to 48 5.99%
49 to 60 5.99%
61 to 72 5.99%
73 to 84 6.49%
85 to 120 6.99%
121 to 144 6.99%
145 to 180 7.49%

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 Call for rate
10 Year Call for rate
15 Year Call for rate
20 Year Call for rate
30 Year Call for rate
Wedding Loan Up to 60 As Low as 9.99%
HVAC Up to 60 As Low as 9.99%

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.

“I must say James has been a lifesaver for financing from ACCU. I called him from Tulsa and he hooked me up for a loan for my car. They do a great job with financing!” 

-Sean N.  Amarillo, TX / Member Since 2009

“I love you guys, you gave me a great auto loan, I was able to purchase an extended warranty for the car with the loan, and that already came in handy. You have the greatest checking ever, great customer service, and everything is always easy and fast.”

-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.