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 09/01/21

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Auto Loan Rates

New/Used Auto

Up to 36 mo. 1.99% – 11.74%
37 – 48 mo. 2.24% – 11.99%
49 – 60 mo. 2.39% – 12.39%
61 – 75 mo. 2.39% – 12.39%
76 – 84 mo.¹ 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. ¹Term 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

Up to 60 mo. 5.00% – 14.50%
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/Used Boat

Up to 60 mo. 5.00% – 14.50%
61 – 84 mo.¹ 5.25% – 14.75%
85 – 96 mo. 5.50% – 15.00%
97 – 120 mo. 5.75% – 15.25%

New/Used Jet Ski

Up to 60 mo. 5.00% – 14.50%

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 new/used boats is 120 months. ¹Used boat 84 month term or longer requires a loan amount of $35,000 or more and collateral seven (7) years or old or newer. Your loan may qualify for a Member Loyalty Rate Discount.

RV/Motor Home Loan Rates

New/Used Travel Trailer

Up to 60 mo. 5.00% – 14.50%
61 – 84 mo.¹ 5.25% – 14.75%
85 – 96 mo. 5.50% – 15.00%
97 – 120 mo. 5.75% – 15.25%
121 – 144 mo.² 6.50% – 16.00%

New/Used Motor Homes

Up to 60 mo. 5.00% – 14.50%
61 – 84 mo.¹ 5.25% – 14.75%
85 – 96 mo. 5.50% – 15.00%
97 – 120 mo. 5.75% – 15.25%
121 – 144 mo.² 6.50% – 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. The maximum term for travel trailers/motor homes is 144 months. ¹Used 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.

Specialty Collateral Loan Rates

New/Used Specialty Collateral

Up to 60 mo. 5.00% – 14.50%
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. Calculate your new loan payment. Your loan may qualify for a Member Loyalty Rate Discount.

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% – 18.00%

Mortgage Loan Rates

Purchase or Refinance

Made For You Mortgage

1st Lien Home Equity

Up to 30 years 3.605% – 4.140%

2nd Lien Home Equity

Up to 20 years 5.870% – 6.084%

Swimming Pool Loans

Up to 15 years 6.626% – 6.768%

Unimproved Land Loans

Up to 15 years 6.022% – 8.158%

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.

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