Loan Rates

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Visa Disclosure: APR is Annual Percentage Rate. The current promotional APR is a 0.99% introductory rate on purchases for the first six (6) billing cycles. On the seventh billing cycle, the 0.99% intro APR will adjust to the standard purchase APR on your account. The AOCU credit card APR ranges from 10.98% to 23.98%. Your precise rate is based on your credit worthiness. All loans are subject to approval and member must be in good standing. Rates, terms, and conditions are subject to change. VISA Disclosure

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Personal Unsecured Loan Disclosures: Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection.
Lines of Credit Disclosure: Quoted loan rates are the lowest rates available. For personal lines of credit, your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. Rates may range from 10% to 24% APR. The Annual Percentage rate may vary after the account is opened. No annual fee.
Share Secured Disclosure: Share secured rate is 3.00% more than the rate of dividend paid on the funds used as collateral.

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Closed-End Fixed Home Equity Disclosure: Quoted Home Equity rates are the lowest available. Your final loan rate is based upon creditworthiness, loan-to-value (LTV), and consumer credit scoring and may be higher than the quoted rates. All quoted rates based on 80% LTV. Loans with LTV of 80.01% - 90.00% will have 0.50% added to the base rate. Secondary Homes and Investment Properties can be used as collateral. Loans secured by Secondary Homes and Investment Properties have a maximum LTV of 70% and may be subject to a higher interest rate. The minimum loan amount is $10,000.00. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling. FEES AND CHARGES: If you disagree with Advantage One’s assessment of your home value, you may elect to get an addition appraisal to determine the value of your home, you will be responsible for the cost of this appraisal. A typical cost of an appraisal is estimated at $500.
Home Equity Line of Credit Disclosure: Home equity rates are tied to Prime, your line of credit balance and your consumer credit rating and creditworthiness. Rates have a floor of 3.25% and a maximum of 16.00%. Rates are subject to review and change quarterly. You can obtain credit advances for 10 years during the draw period. The length of the repayment period will be 10 years. You will be required to make monthly payments during the draw and repayment periods. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling. Secondary Homes and Investment Properties can be used as collateral. Loans secured by Secondary Homes and Investment Properties have a maximum LTV of 70% and may be subject to a higher interest rate. FEES AND CHARGES: If you disagree with Advantage One’s assessment of your home value, you may elect to get an addition appraisal to determine the value of your home, you will be responsible for the cost of this appraisal. A typical cost of an appraisal is estimated at $500.
Home Equity Disclosure: Rates posted are indications only and are subject to change without notice. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application. Payment example does not include taxes and insurance premiums; actual payment obligation may be greater. Your actual rate and/or points may be different.

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
**To qualify for First Time Car buyer program, there must be no previous auto history and no current FICO score present.

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Boat Motorhome & RV Disclosure: APR=Annual Percentage Rate. All loan rates cited as APR. Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. All loans are subject to approval. Rates, terms, and conditions are subject to change. Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection.

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Personal Watercraft, Snowmobile & ATVs Disclosure: APR=Annual Percentage Rate. All loan rates cited as APR. Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. All loans are subject to approval. Rates, terms, and conditions are subject to change. Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection.

Rates accurate as of

*APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Mortgage Disclosures: Discount Points - A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower, the home seller or may be split between them.