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Rates & Fees

Vehicles, Tractors & Powersports

Loan TermAPR* as low asModel Year
2 to 5 Years
24 to 60 months
4.24%*2017 - New
2 to 5 Years
24 to 60 months
5.24%*2014 - 2016
3 Years
36 months
6.74%*2011 - 2013
3 Years
36 months
10.90%*2007 - 2010
$5,000+ Only
4 to 5 Years
48 to 60 months
7.99%*2011 - 2013
$12,000+ Only
6 Years
72 months
4.50%*2017 - New
$10,000+ Only
6 Years
72 months
5.50%*2014 - 2016
$10,000+ Only
7 Years
84 months
4.50%*2017 - New
$30,000+ Only
Tractors only
3 years
36 months
6.74%*2011 - 2013
Tractors only
3 years
36 months
10.90%2007 - 2010
$5,000+ Only
Tractors only
4 or 5 years
48 - 60 months
7.99%*2011 - 2013
$12,000+ Only
Tractors only
7 Years
84 months
4.50%*2017 - New
$20,000+ Only
Tractors only
7 years, 1 month - 10 years
85 - 120 months
7.25%*New
$20,000+ 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 a power sport 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 principle balance of your loan or set up recurring payments and monitor the progress of your auto loan through our online banking service.

Frequently Asked Questions

  • Can I make a loan payment using a debit card, credit card, or by ACH?

    Yes, Acadia will accept your loan payment via Express Pay, using a non-Visa credit card, debit card, or ACH using another financial institution. You can call us at 1-855-692-2234 to initiate this, contact us through Live Support in the lower right corner of our website, or take care of the payment yourself using our Web Payment Center, hosted and managed by Bacon Pay. Click “Register” if you don’t have a payment account set up.

    Keep in mind that you will be assessed a fee when you perform this transaction, which is $2.75 at the time of this posting (subject to change at any time). The maximum payment that can be made this way is $1,000 (subject to change at any time).

    You will need to know your account number to register your Acadia FCU account for this service. You may pay using Visa debit cards and many major credit cards; Visa credit card payments are not accepted.

    Please note: Effective September 1, 2022, the fees will increase to $8.50 for a MSR-assisted payment through the Web Payment Center. A $4 fee will be assessed to those members who use the self-guided service through our Web Payment Center.

  • Does Acadia have any loan offers or other promo or savings opportunities at this time?

    Check out this page to see what exciting specials or promotions Acadia has going on right now!

  • Where can I find Acadia’s disclosures or new account forms and applications?

    You can find all of Acadia’s important disclosures and various account applications right here.

  • Can I insure my monthly payments?

    Yes, we offer Acadia FCU Debt Protection on auto loans.

  • ​What vehicle types can be financed?

    We offer competitive loan rates on cars, trucks, motorcycles, ATVs / four wheelers, UTVs, snowmobiles, boats, jet-skis and other personal watercraft, scooters, campers, tractors, and more!

Need help? Send us a message.

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