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Loan Rates

Fair rates and terms to help you get ahead in life

Mortgage Rates | Home Equity Rates | Vehicle Rates | RV Rates | Credit Card Rates | Personal Loan Rates

Whether you are buying a home, refinancing a vehicle, starting a business or consolidating debt, borrowing from Alliant Credit Union is a great way to help finance the big dreams you might not have cash for.

Make affordable monthly payments with fair rates that won’t leave you scrambling to make ends meet!

Mortgage Rates

Fixed Mortgage

Rate APR
30 Year Fixed 4.750% 4.834%
20 Year Fixed 4.500% 4.614%
15 Year Fixed 4.375% 4.520%
10 Year Fixed In-House 4.000% 4.080%

Adjustable Rate Mortgage

Rate APR
10/1 Year ARM 4.125% 4.206%
7/1 Year ARM 3.750% 3.829%
5/1 Year ARM 3.500% 3.578%
3/1 Year ARM 3.250% 3.327%

Rates are subject to change without notice. 30, 20, and 15 year fixed mortgage loans will transfer servicing to an investor. Quoted rates assume purchase money mortgage, single family, owner occupied dwelling with loan amount of $150,000 and a purchase price of $200,000 using a 30-day lock with a minimum credit score of 740. Changing these assumptions may change terms. Please contact a loan officer for more information.


Home Equity Rates

Home Equity

Rate
Home Equity Line of Credit 3.75%

All rates subject to change. No points, no annual fee, no application fee. Introductory rate good through December 31, 2018. 


Vehicle Rates

New Titled and Untitled Vehicles

APR
2 Years 2.49%
3 Years 2.49%
4 Years 2.64%
5 Years 2.64%
6 Years 2.90%
7 Years 3.99%

2013 - 2014 Vehicles

APR
2 Years 2.49%
3 Years 2.49%
4 Years 2.64%
5 Years 2.74%
6 Years 3.49%

2011 - 2012 Vehicles

APR
2 Years 3.44%
3 Years 3.44%
4 Years 3.69%
5 Years 3.99%

2007 - 2010 Vehicles

APR
2 Years 3.74%
3 Years 3.74%
4 Years 4.24%

2006 and Older Vehicles

APR
2 Years 5.24%
3 Years 5.24%

All rates shown above are AS LOW AS and are subject to change. APR = Annual Percentage Rate. ACU Rewards offers a .7% reduction in APR if you qualify when you use the following credit union services and products: ACU checking with direct deposit, payroll deduction, ACH payment, ACU MasterCard, financing the trade value or 10% down. Some restrictions apply. Motorcycles now classified with vehicle rates and not RV rates. 7 year term offered only to new, untitled vehicles over $35,000.


RV Rates

2015 and Newer

APR
3 Years 3.24%
4 Years 3.49%
5 Years 3.74%
6 Years 3.99%
7 Years 4.99%
8 - 10 Years 6.99%

2013 - 2014 RVs

APR
3 Years 3.24%
4 Years 3.49%
5 Years 3.74%

2011 - 2012 RVs

APR
3 Years 4.49%
4 Years 4.74%
5 Years 5.49%

2007 - 2010 RVs

APR
3 Years 4.99%
4 Years 5.49%

All rates shown above are AS LOW AS and are subject to change. APR = Annual Percentage Rate. ACU Rewards offers a .7% reduction in APR if you qualify when you use the following credit union services and products: ACU checking with direct deposit, payroll deduction, ACH payment, ACU MasterCard, financing the trade value or 10% down. Special RV Rates run from time to time, speak with one of our loan officers for more information.


Credit Card Rates

Credit Cards

APR
MasterCard Elite 9.9%
MasterCard Regular 12.9%

All rates are subject to change. APR = Annual Percentage Rate.


Personal Loan Rates

Unsecured Loan

Rate
Please call for current rates.

All rates subject to change.