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 08/01/22

Car with percentage sign

Auto Loan Rates

New/Used Auto

  • Up to 36 mo. 3.24% – 13.49%
  • 37 – 48 mo. 3.49% – 13.74%
  • 49 – 60 mo. 3.89% – 14.39%
  • 61 – 75 mo. 3.89% – 14.39%
  • 76 – 84 mo.1 5.39% – 15.89%

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.

Side view of a motorcycle

Motorcycle Loan Rates

New/Used Motorcycle

  • Up to 60 mo. 6.25% – 16.25%
  • 61 – 75 mo. 6.50% – 16.50%
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Use Member Loyalty Rewards to increase your savings on your new Motorcycle Loan.

Boat sailing

Boat/Jet Ski Loan Rates

New/Used Boat

  • Up to 60 mo. 6.25% – 16.25%
  • 61 – 84 mo.1 6.50% – 16.50%
  • 85 – 96 mo. 6.75% – 16.75%
  • 97 – 120 mo. 7.00% – 17.00%

New/Used Jet Ski

  • Up to 60 mo. 6.25%– 16.25%
  • 61 – 84 mo.1 6.50% – 16.50%
  • 85 – 96 mo. 6.75%– 16.75%
  • 97 – 120 mo. 7.00% – 17.00%

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.

Travel Trailer

RV/Motor Home Loan Rates

New/Used Travel Trailer

  • Up to 60 mo. 6.25% – 16.25%
  • 61 – 84 mo.1 6.50% – 16.50%
  • 85 – 96 mo. 6.75% – 16.75%
  • 97 – 120 mo. 7.00% – 17.00%
  • 121 – 144 mo.2 7.75% – 17.75%

New/Used Motor Homes

  • Up to 60 mo. 6.25% – 16.25%
  • 61 – 84 mo.1 6.50% – 16.50%
  • 85 – 96 mo. 6.75% – 16.75%
  • 97 – 120 mo. 7.00% – 17.00%
  • 121 – 144 mo.2 7.75% – 17.75%
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Use Member Loyalty Rewards to increase your savings on your next RV/Motor Home Loan.

Specialty Collateral

Specialty Collateral Loan Rates

New/Used Specialty Collateral

  • Up to 60 mo. 6.25% – 16.25%
  • 61 – 75 mo. 6.50% – 16.50%

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.

Handshake

Personal Loan Rates

Personal Loan

  • Up to 60 mo. 8.90% – 18.00%
  • 61 – 84 mo. 9.90% – 18.00%

Debt Consolidation

  • Up to 60 mo. 10.90% – 18.00%
  • 61 – 84 mo. 11.90% – 18.00%

Disaster Preparedness

  • Up to 60 mo. 8.90% – 18.00%
  • 61 – 84 mo. 9.90% – 18.00%

Disaster Preparedness with an AMOCO Mortgage

  • Up to 60 mo. 6.90% – 17.40%
  • 61 – 84 mo. 7.90% – 18.00%

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% – 18.00%
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Use Member Loyalty Rewards to increase your savings on your next Personal Loan.

Home with percentage sign

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.)

Front and back credit card

Platinum Rewards MasterCard Rates

  • Revolving 8.65% – 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.