Loan Rates

With our super low lending rates, we can get you on the road, water, or in your dream home today. We invite you to peruse our rates below or apply for a loan with AMOCO today.

ALL LOAN RATES -Effective 9/1/23

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Vehicle Loan Rates

New And Used Autos

Terms	Minimum APR¹	Maximum APR
Up to 36 Months	5.64%	15.89%
37 - 48 Months	5.89%	16.14%
49 - 60 Months	6.29%	16.79%
61 - 75 Months	6.54%	17.04%
76 - 84 Months²	7.79%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. Your loan may qualify for a Member Rewards Loan Rate Discount. ²Minimum loan amount is $35,000+.

Use Member Rewards to lower your rate and increase your savings on your new Auto Loan.

New And Used Motorcycle

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 - 75 Months	9.65%	18.00%

Use Member Rewards to lower your rate and increase your savings on your new Motorcycle Loan.

New And Used Boat

Terms	Minimum APR¹	Maximum APR
Up to 60 months	9.40%	18.00%
61 - 84 months	9.65%	18.00%
85 - 96 months²	9.90%	18.00%
97 - 120 months²	10.15%	18.00%

Use Member Rewards to lower your rate and increase your savings on your new Boat Loan.

New And Used Jet Ski

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 - 72 Months	9.65%	18.00%

Use Member Rewards to lower your rate and increase your savings on your new Jet Ski Loan.

New And Used RV/Motor Home

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 - 84 Months	9.65%	18.00%
85 - 96 Months²	9.90%	18.00%
97 - 120 Months²	10.15%	18.00%
121 - 144 Months³	10.90%	18.00%

¹All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. The maximum term for travel trailers/motor homes is 144 months. ²Used travel trailers/motor homes 85 -120 months requires a loan amount of $35,000 or more and collateral seven (7) years or old or newer. ³Used travel trailer/motor home 121-144 months requires a loan amount of $50,000 or more and collateral five (5) years old or newer. Your loan may qualify for a Member Rewards Loan Rate Discount.

Use Member Rewards to lower your rate and increase your savings on your new RV or Motor Home Loan.

Specialty Collateral Loan Rates

Special Collateral

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	9.40%	18.00%
61 - 75 Months	9.65%	18.00%

Use Member Rewards to lower your rate and increase your savings on your new Specialty Collateral Loan.

Personal Loan Rates

Personal Loan

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	11.05%	18.00%
61 - 84 Months	12.05%	18.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications. Your loan may qualify for a Member Rewards Loan Rate Discount.

Use Member Rewards to lower your rate and increase your savings on your new Personal Loan.

Debt Consolidation Loan

Terms	Minimum APR¹	Maximum APR
Up to 60 Months	13.05%	18.00%
61 - 84 Months	14.05%	18.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications. Your loan may qualify for a Member Rewards Loan Rate Discount.

Use Member Rewards to lower your rate and increase your savings on your new Debt Consolidation Loan.

Credit Builder And Mender Loan

Terms	Minimum APR¹
Up to 24 Months	4.90%
Up to 36 Months	4.90%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Disaster Preparedness Loan

Terms	Minimum APR¹ (has an AMOCO Mortgage Loan)	Minimum APR	Maximum APR
Up to 60 Months	9.05%	11.05%	18.00%
61 - 84 Months	10.05%	12.05%	18.00%

¹All rates shown are annual percentage rates and discounted rate shown are for members that have an AMOCO Mortgage Loan. Rates and terms determined by borrower’s credit qualifications. Your loan may qualify for a Member Rewards Loan Rate Discount.

Use Member Rewards to lower your rate and increase your savings on your new Disaster Preparedness Loan.

Shared Secured

Terms	Minimum APR¹
Up to 60 Months	4.90%
61 - 144 Months	5.90%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

Term	Minimum APR¹ + Term Share Certificate Rate
Up to 144 Months	2.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications.

FFA

Term	Minimum APR¹	Maximum APR
12 Months 1 Payment Loan	8.50%	18.00%

¹All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications. Your loan may qualify for a Member Rewards Loan Rate Discount.

Use Member Rewards to lower your rate and increase your savings on your new FFA Loan.

Mortgage Loans Rates

Mortgage Loans

Mortgage Loan Type	Terms	Best Rate¹
Purchase or Refinance	Up to 30 Years	Get A Quote
Made For You Mortgage	Up to 30 Years	Get A Quote
1st Lien Home Equity	Up to 30 Years	Get A Quote
2nd Lien Home Equity	Up to 20 Years	Get A Quote
Construction Mortgage Loan	Up to 30 Years	Get A Quote
Swimming Pool Loan	Up to 15 Years	Get A Quote
Unimproved Land Loans	Up to 15 Years	Get A Quote
Vacation Home Loan	Up to 30 Years	Get A Quote
Investment/Rental Property	Up to 30 Years	Get A Quote

¹Rate determined by term, LTV (Loan-to-value, available and borrower’s credit qualifications. Rates displayed include maximum LTV discount.)

Platinum Rewards MasterCard Rates

Rewards Credit Card

¹All rates shown are annual percentage rates. Standard rate thereafter as shown above. Rates and terms determined by borrower’s credit qualifications. The standard APRs will vary with the market based on the Prime Rate.

Term	Minimum APR¹	Maximum APR
Revolving	12.40%	18.00%

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Loan Rates

ALL LOAN RATES -Effective 9/1/23

Vehicle Loan Rates

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