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 05/01/22

Auto Loan Rates

New/Used Auto

  • Up to 36 mo. 2.24% – 12.49%
  • 37 – 48 mo. 2.49% – 12.74%
  • 49 – 60 mo. 2.64% – 13.14%
  • 61 – 75 mo. 2.64% – 13.14%
  • 76 – 84 mo.1 4.14% – 14.64%

All rates shown are annual percentage rates. 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.

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Use Member Loyalty Rewards to increase your savings on your next Auto Loan.

Motorcycle Loan Rates

New/Used Motorcycle

  • Up to 60 mo. 5.25% – 15.25%
  • 61 – 75 mo. 5.50% – 15.50%

All rates shown are annual percentage rates. 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.

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

Boat/Jet Ski Loan Rates

New/Used Boat

  • Up to 60 mo. 5.25% – 15.25%
  • 61 – 84 mo.1 5.50% – 15.50%
  • 85 – 96 mo. 5.75% – 15.75%
  • 97 – 120 mo. 6.00% – 16.00%

New/Used Jet Ski

  • Up to 60 mo. 5.25% – 15.25%
  • 61 – 84 mo.1 5.50% – 15.50%
  • 85 – 96 mo. 5.75% – 15.75%
  • 97 – 120 mo. 6.00% – 16.00%

All rates shown are annual percentage rates. Note: 100% financing available for qualified borrowers. Rates and terms determined by borrower’s credit qualifications. Boat/Jet Ski Loan Calculator your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.

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Use Member Loyalty Rewards to increase your savings on your next Boat/Jet Ski Loan.

RV/Motor Home Loan Rates

New/Used Travel Trailer

  • Up to 60 mo. 5.25% – 15.25%
  • 61 – 84 mo.1 5.50% – 15.50%
  • 85 – 96 mo. 5.75% – 15.75%
  • 97 – 120 mo. 6.00% – 16.00%
  • 121 – 144 mo.2 6.75% – 16.75%

New/Used Motor Homes

  • Up to 60 mo. 5.25% – 15.25%
  • 61 – 84 mo.1 5.50% – 15.50%
  • 85 – 96 mo. 5.75% – 15.75%
  • 97 – 120 mo. 6.00% – 16.00%
  • 121 – 144 mo.2 6.75% – 16.75%

All 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. 1 Used travel trailers/motor homes 84 -120 months requires a loan amount of $35,000 or more and collateral seven (7) years or old or newer. 2Used travel trailer/motor home 121-144 months requires a loan amount of $50,000 or more and collateral five (5) years old or newer. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.

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Use Member Loyalty Rewards to increase your savings on your next RV/Motor Home Loan.

Specialty Collateral Loan Rates

New/Used Specialty Collateral

  • Up to 60 mo. 5.25% – 15.25%
  • 61 – 75 mo. 5.50% – 15.50%

All rates shown are annual percentage rates. 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.

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Use Member Loyalty Rewards to increase your savings on your next Specialty Collateral Loan.

Personal Loan Rates

Personal Loan

  • Up to 60 mo. 7.90% – 18.00%
  • 61 – 84 mo. 8.90% – 18.00%

Debt Consolidation

  • Up to 60 mo. 9.90% – 18.00%
  • 61 – 84 mo. 10.90% – 18.00%

Disaster Preparedness

  • Up to 60 mo. 7.90% – 18.00%
  • 61 – 84 mo. 8.90% – 18.00%

Disaster Preparedness with an AMOCO Mortgage

  • Up to 60 mo. 5.90% – 16.40%
  • 61 – 84 mo. 6.90% – 17.40%

Shared Secured

  • Up to 60 mo. 4.90%
  • 61 – 144 mo. 5.90%

Term Share Certificate Secured

  • Certificate Maturity Date 2.00% + Term Share Cert. Rate

FFA

  • 12 mo.
    1 payment loan
    8.50% – 18.50%

All rates shown are annual percentage rates. 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.

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Use Member Loyalty Rewards to increase your savings on your next Personal Loan.

Mortgage Loan Rates

Purchase or Refinance

Made For You Mortgage

1st Lien Home Equity

Up to 30 years

2nd Lien Home Equity

Up to 20 years

Swimming Pool Loans

Up to 15 years

Unimproved Land Loans

Up to 15 years

Vacation Home Loans

Investment/Rental Property

All rates shown are annual percentage rates. Rate determined by term, LTV (Loan-to-value, available and borrower’s credit qualifications. Rates displayed include maximum LTV discount.)

Platinum Rewards MasterCard Rates

  • Revolving 7.15% – 18.00%

All 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.