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 2/1/24

Car with percentage sign

Vehicle Loan Rates

New And Used Autos

Terms Minimum APR1 Maximum APR
Up to 36 Months
5.64%
16.14%
37 – 48 Months
5.89%
16.39%
49 – 60 Months
6.29%
17.04%
61 – 75 Months
6.54%
17.29%
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+.

Member Rewards White Ribbons

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%
Member Rewards White Ribbons

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%

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+ and cannot be more than 7 years old.

Member Rewards White Ribbons

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%

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.

Member Rewards White Ribbons

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%
Member Rewards White Ribbons

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

Specialty Collateral

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%

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.

Member Rewards White Ribbons

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

Handshake

Personal Loan Rates

Personal Loan

Terms Minimum APR1 Maximum APR
Up to 60 Months
10.05%
18.00%
61 – 84 Months
11.05%
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.

Member Rewards White Ribbons

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
12.05%
18.00%
61 – 84 Months
13.05%
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.

Member Rewards White Ribbons

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
8.05%
10.05%
18.00%
61 – 84 Months
9.05%
11.05%
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.

Member Rewards White Ribbons

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 Share Certificate Secured

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.

Member Rewards White Ribbons

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

Home with percentage sign

Mortgage Loans Rates

Mortgage Loans

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

1Rate 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

Rewards Credit Card

Term Intro APR** Minimum APR1 Maximum APR
Revolving
0% For 6 Months
12.40%
18.00%

All rates shown are annual percentage rates. **Intro Fixed Rate applicable until the first day of the billing cycle that includes the 6 month anniversary date of the opening of your account. Standard rate thereafter as shown above. 1The standard APRs will vary with the market based on the Prime Rate.  Rates and terms determined by borrower’s credit qualifications.