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.

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ALL LOAN RATES -Effective 3/1/23

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Vehicle Loan Rates

Terms Minimum APR1 Maximum APR
Up to 36 Months
4.49%
14.74%
37 - 48 Months
4.74%
14.99%
49 - 60 Months
5.14%
15.64%
61 - 75 Months
5.39%
15.89%
76 - 84 Months2
6.64%
17.14%
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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 Loyalty Rate Discount. 2Minimum loan amount is $35,000+.

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Use Member Loyalty Rewards to lower your rate and increase your savings on your new Auto Loan. 
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Terms Minimum APR1 Maximum APR
Up to 60 Months
7.50%
17.50%
61 - 75 Months
7.75%
17.75%
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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 Loyalty Rate Discount.

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

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Terms Minimum APR1 Maximum APR
Up to 60 months
7.50%
17.50%
61 - 84 months
7.75%
17.75%
85 - 96 months2
8.00%
18.00%
97 - 120 months2
8.25%
18.00%
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Calculate Your Loan

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 Loyalty Rate Discount. 2Minimum loan amount is $35,000+ and cannot be more than 7 years old.

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

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Terms Minimum APR1 Maximum APR
Up to 72 Months
7.50%
17.75%
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Calculate Your Loan

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 Loyalty Rate Discount.

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

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Terms Minimum APR1 Maximum APR
Up to 60 Months
7.50%
17.50%
61 - 84 Months
7.75%
17.75%
85 - 96 Months2
8.00%
18.00%
97 - 120 Months2
8.25%
18.00%
121 - 144 Months3
9.00%
18.00%
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Calculate Your Loan

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. 2 Used 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 Loyalty Rate Discount.

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

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Specialty Collateral Loan Rates

Terms Minimum APR1 Maximum APR
Up to 60 Months
7.50%
17.50%
61 - 75 Months
7.75%
17.75%

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 Loyalty Rate Discount.

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

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Personal Loan Rates

Terms Minimum APR1 Maximum APR
Up to 60 Months
9.90%
18.00%
61 - 84 Months
10.90%
18.00%
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1All rates shown are annual percentage rates. Rates and terms determined by borrower’s credit qualifications. Your loan may qualify for a Member Loyalty Rate Discount.

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

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Terms Minimum APR1 Maximum APR
Up to 60 Months
11.90%
18.00%
61 - 84 Months
12.90%
18.00%
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Calculate Your Loan

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

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

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Terms Minimum APR1
Up to 24 Months
4.90%
Up to 36 Months
4.90%
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Calculate Your Loan

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

Terms Minimum APR1
(has an AMOCO Mortgage Loan)
 Minimum APR Maximum APR
Up to 60 Months
7.90%
9.90%
18.00%
61 - 84 Months
8.90%
10.90%
18.00%
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Calculate Your Loan

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 Loyalty Rate Discount.

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

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

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

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Use Member Loyalty Rewards to lower your rate and increase your savings on your new Term Share Certificate Secured.

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

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

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

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Mortgage Loans Rates

Mortgage Loan Type Terms Best Rate1
Purchase or Refinance
Up to 30 Years
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Made For You Mortgage
Up to 30 Years
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1st Lien Home Equity
Up to 30 Years
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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

Term Minimum APR1 Maximum APR
Revolving
11.65%
18.00%

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.