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 04/01/21
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Auto Loan Rates
New/Used Auto
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Up to 36 mo. 1.99% – 11.74%
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37 – 48 mo. 2.24% – 11.99%
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49 – 60 mo. 2.39% – 12.39%
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61 – 75 mo. 2.39% – 12.39%
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76 – 84 mo.* 3.89% – 13.89%
All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. *Term available for loan amounts of $35,000 or more. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.
Motorcycle Loan Rates
New/Used Motorcycle
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Up to 60 mo. 5.00% – 14.50%
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61 – 75 mo. 5.25% – 14.75%
All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. *Term available for loan amounts of $30,000 or more. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.
Boat/Jet Ski Loan Rates
New Boat
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Up to 60 mo. 5.00% – 14.50%
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61 – 84 mo.* 5.25% – 14.75%
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85 – 96 mo. 5.50% – 15.00%
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97 – 120 mo. 5.75% – 15.25%
Used Boat1
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Up to 60 mo. 5.00% – 14.50%
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61 – 84 mo.* 5.25% – 14.75%
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85 – 96 mo. 5.50% – 15.00%
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97 – 120 mo. 5.75% – 15.25%
New/Used Jet Ski
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Up to 60 mo. 5.00% – 14.50%
APR is annual percentage rate. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. 1For Used Boats, the collateral must be seven years old or newer for 85-120 month terms. *A minimum loan amount of $35,000 is required for terms 85-120 months. Your loan may qualify for a Member Loyalty Rate Discount.
RV/Motor Home Loan Rates
New Travel Trailer
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Up to 60 mo. 5.00% – 14.50%
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61 – 84 mo.* 5.25% – 14.75%
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85 – 96 mo. 5.50% – 15.00%
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97 – 120 mo. 5.75% – 15.25%
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121 – 144 mo.* 6.50% – 16.00%
Used Travel Trailer2
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Up to 60 mo. 5.00% – 14.50%
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61 – 84 mo.* 5.25% – 14.75%
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85 – 96 mo. 5.50% – 15.00%
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97 – 120 mo. 5.75% – 15.25%
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121 – 144 mo.* 6.50% – 16.00%
New/Used Motor Homes
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Up to 60 mo. 5.00% – 14.50%
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61 – 84 mo.* 5.25% – 14.75%
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85 – 96 mo. 5.50% – 15.00%
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97 – 120 mo. 5.75% – 15.25%
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121 – 144 mo.* 6.50% – 16.00%
APR is annual percentage rate. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. 2For Used RVs and Travel Trailers, the collateral must be seven years old or newer for 85-120 month terms and five years old or newer for 121-144 month terms. *A minimum loan amount of $35,000 is required for terms 85-120 months and a minimum loan amount of $50,000 is required for terms 121-144 months. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.
Specialty Collateral Loan Rates
New/Used Specialty Collateral
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Up to 60 mo. 5.00% – 14.50%
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61 – 75 mo. 5.25% – 14.75%
APR is annual percentage rate. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.
Personal Loan Rates
Personal Loan
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Up to 60 mo. 7.90% – 18.00%
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61 – 84 mo. 8.90% – 18.00%
Debt Consolidation
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Up to 60 mo. 9.90% – 18.00%
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61 – 84 mo. 10.90% – 18.00%
Line of Credit Personal Loan
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Up to 60 mo. ($15,000 Max) 12.90%
Shared Secured
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Up to 60 mo. 4.90%
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61 – 144 mo. 5.90%
Term Share Certificate Secured
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Certificate Maturity Date 2.00% + Term Share Cert. Rate
Future Farmers of America – Livestock
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12 mo./1 payment loan 8.50% – 18.00%
APR is annual percentage rate. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.
Real Estate Loan Rates
Primary Home Purchase or Refinance
1st Lien Home Equity
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Up to 30 years 3.605% – 4.140%
2nd Lien Home Equity
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Up to 20 years 5.870% – 6.084%
Swimming Pool Loans
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Up to 15 years 6.626% – 6.768%
Unimproved Land Loans
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Up to 15 years 6.022% – 8.158%
Vacation Home Loans
Investment/Rental Property
APR is annual percentage rate. Rate determined by term, LTV (Loan-to-value, available and borrower’s credit qualifications. Rates displayed include maximum LTV discount.)
Platinum Rewards MasterCard Rates
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Revolving 7.15% – 18.00%
Annual Percentage Rate. 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.