Auto Loans

Apply now to see if you qualify for up to $500 cash back on refinanced auto loans from somewhere else.

If you're in the market to buy or refinance a car, now is the time!

Receive up to $500 CASH BACK** this winter when you refinance your auto loan with us. Offer available on cars, trucks, motorcycles, RVS, and boat loans.

We’ve got you covered:

  • Rates as low as 2.99% APR* new (2018-2020) up to 60 months

    • Monthly payment example: $20,000 for 60 months at 2.99% APR* = $359.00

  • Rates as low as 3.49% APR* used (2012-2017) up to 60 months

    • Monthly payment example: $20,000 for 60 months at 3.49% APR* = $364.00

  • No payments for up to 60 days1

  • Financing up to 110%2

  • Choose your own payment due date

  • Quick loan decisions

  • Sign & send documents electronically

  • Affordable protection plans available:

Ready to head to the dealership?

Here's some helpful information on What to Know at the Dealership (PDF).


Learn more about Flex Car Loans Flex Car Loans: 4.25% APR for 36 months & $372 monthly payment

Like the perks of leasing?

Find out how you can get the benefits of a traditional car loan but with all the perks of leasing with our Flex Car Program.

Not familiar with leasing?

Find out how you can benefit from a lower monthly payment! Check out our Flex Car Program.


Enterprise Used Car Deals

Enterprise Car Sales

We partner with Enterprise to offer you great deals on used cars. Visit the Enterprise website for more information. See also our page for more information on buying an Enterprise car and to apply for financing.

Easily calculate how much you could save by refinancing with us.


Motorcycle Loans

We’ll finance up to 110%2 on a new motorcycle. On a used motorcycle, we’ll finance the purchase price or up to 90% of the wholesale value as listed in the NADA guide, whichever is less.

  • A minimum loan amount of $2,500 is required.

  • Affordable Payment Protection plans available!


The Fine Print

*APR = Annual Percentage Rate. Rates subject to change without notice. Not all applicants will qualify for the lowest rate. To qualify for as low as rates, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active checking account with existing direct deposit, a balance transfer of $1,000 on a new or existing VISA credit card, and/or an established Bill Pay usage with at least one recurring payment.

**Offer not available on existing ACFCU loans. Maximum cash back is 1% of loan balance, up to $500. Cash back will be deposited into savings account within 2 weeks of loan closing. If loan is paid off within 24 months, the cash back amount will be added to the pay off amount. Only refinanced vehicles from other financial institutions are eligible. Also valid on refinanced RVs, boats, and motorcycles. Not valid on indirect auto loans. Applications must be received by 2/28/2019.

1Interest will continue to accrue during the payment deferment period. Deferred payments may not exceed 60 days. Not all members qualify for payment deferment. Flex Car loans do not qualify for payment deferment.

2Up to 110% financing available for new cars/motorcycles and NADA retail value for used cars/motorcycles. Certain conditions may apply.

Flex Car loan monthly payment examples: New vehicle: $20,000 for 60 months at 4.49% = $289. Used vehicle: $20,000 for 60 months at 4.99% = $263. Payment examples are based on a new 2019 Nissan Sentra 4dr Sedan S AT and used 2016 Hyundai Santa Fe 2 WD 4dr Wagon SE. Payment examples may be different due to payment protection, etc. Flex Car payments are specific to the type of car and its residual value calculation.

Additional details can be found here regarding current APRs and payment examples.