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Rates & Fees

Vehicles, Tractors & Powersports

Loan TermAPR* as low asModel Year
2 to 5 Years3.74%*2017 - New
2 to 5 Years4.74%*2014 - 2016
3 Years6.24%*2011 - 2013
3 Years10.90%*2007 - 2010
$5,000+ Only
4 to 5 Years7.49%*2011 - 2013
$12,000+ Only
6 Years4.00%*2017 - New
$10,000+ Only
6 Years5.00%*2014 - 2016
$10,000+ Only
7 Years4.00%*2017 - New
$30,000+ Only
Tractors only
7 Years
4.00%*2017 - New
$20,000+ Only
Tractors only
7 years, 1 month (85 mos.) - 10 years
$30,000+ Only

Untitled recreational vehicles not to exceed term of 5 years if not new.
* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A+ credit

Loan Calculator

Format: 12M, 36M, 3Y, 7Y

More Info

We manage all our loans in-house and we’re fast. If you apply for an auto loan online, we’ll respond within 24 hours!

Not only do we boast the best customer service in the business, but we bend over backwards to make things convenient for you. You can apply extra payments directly to the principal balance of your auto loan or set up recurring payments and monitor the progress of your auto loan through our online banking service.

We also offer optional protections.

Extended Warranty: Includes plans that cover ordinary wear-and-tear, including engine, transmission, axle, brakes, steering, suspension, fuel, air conditioner, electrical, and more.

GAP Plus: If your vehicle is stolen or damaged and deemed a total loss, it’s up to you to make up the difference between what you owe and what your insurance company says your car is worth. Guaranteed Auto Protection (GAP) can cover the difference and save you big bucks. Plus, you’ll receive a $1,000 reduction toward your next auto loan with Acadia FCU.

Acadia FCU Debt Protection: Safeguard your family against unexpected events that could leave you unable to pay monthly bills. Acadia FCU Debt Protection backs you up. We’ll make sure you can still make your auto loan payments on time. Under this program, you can cancel your loan balance or monthly loan payments without any penalties or added interest. You get peace of mind knowing you and your credit rating are safe and, most importantly, your family is too.

Frequently Asked Questions

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A few years ago, we shopped for a vehicle and Acadia came back with the lowest rates and best terms by a mile. We just traded in last fall and the dealer sent our application out to all the banks and credit unions. No surprise—Acadia still had the best rates and best terms. Brady M., member since 2015