ACU Vehicle Loan Rate Discounts
At ACU, we know why you’re here and how hard you work. That’s why we offer a variety of special incentives and discounts on loans to reward your service, your loyalty, and your smart choice in auto financing.
0.50% for Active-Duty Military, Military Veterans, and First-Responders
0.25% for Debt Protection
0.50% for external ACH payment or ACU autopay without direct deposit.
0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment
Max aggregate discount allowed = 1.25%
Commuting to the Base, or Heading to the Lake
From river running to grocery runs, hunting trips to honey-dos, you deserve an affordable, reliable car to get you where you’re going — all with auto financing to match. At ACU, we make it easier to get behind the wheel by offering accessible, flexible auto loans with low rates, along with generous discounts for service members and first responders.
ACU Auto Loan Benefits
Ready to widen your horizons with a new or new-to-you truck, car, or motorcycle? We’ll help you put rubber on the road with the best auto loans in Tacoma.
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Competitive APRs
As a credit union, we offer lower rates because we pass savings back to members.
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Range of Terms
Flexible loan terms from 36 months to 84 months to fit your budget.
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Rate Discounts
Lower rates for military families, direct deposits, or added insurance.
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Easy Application
Quick online application, secure information handling, and fast approval.
Applying for an ACU Auto Loan is Quick & Easy!
| Step 1 | Apply OnlineEnter your details into our quick and easy online application portal. |
| Step 2 | Agree to TermsIf approved, we’ll offer you a loan amount and rate for your preferred term. |
| Step 3 | Find Your Vehicle!We can write you a check or transfer the funds so you can get a great deal! |
Additional Auto Loan Features
Your Choice of Ride
Loans are available for new and used cars, trucks, and motorcycles.
Flexible Loan Amounts
Borrow as little as $10,000 for 61-72 months or $20,000 for 73-84 months.
Military Discounts
Special 0.50% rate discount for active-duty military, veterans, and first responders.
ACH Payment Deduction
0.75% off for direct deposits equal to or larger than your monthly loan payment.
Direct Deposits Deals
0.50% off your loan for payments from external ACH or ACU autopay.
Insurance Bonus
0.25% off your loan when you opt for debt protection on your auto loan.
See Our Low Auto Loan Rates with Your Own Eyes
With rates this low, you’ll want to take the bumps slow!
New & Used Auto Loans
Recreational Vehicle (RV) Loans
Motorcycle Loans
Want to know more about our hard-to-beat rates? Click below for details
★★★★★
“This place is AMAZING! I appreciate all they do. They are prompt, professional, and fun! Definitely go above and beyond what is expected! I can’t imagine using a different bank!”
-Victoria D., Tacoma.
More ACU Auto Loan Tools
Run the numbers, get car shopping help, and protect your new vehicle with our full suite of auto tools.
Auto Concierge Service
Avoid the hassle and the haggle. ACU’s Auto Concierge helps you locate the vehicle you’re interested in, schedule a test drive, and get you on the road.
Auto Loan Calculators
Are the numbers driving you crazy? Use our auto loan calculators to figure out the best financing for your needs, at the best possible rate.
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Vehicle Protection Plans
Protect your investment. Add a vehicle protection plan during the loan application process for peace of mind knowing your new vehicle is covered.
Learn More
Common Questions About America’s Credit Union Auto Loans
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Where is the best place to get auto financing in the South Sound?
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You have a lot of choices for auto financing in our area, from commercial banks to online lenders. However, from the Tacoma Dome to Olympia, credit union auto loans offer the best value for hard-working South Sounders, with lower rates, more flexible terms, and a range of special discounts.
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What vehicles can I buy with ACU auto loans?
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You can buy new or used vehicles. New auto loans are for current model years or newer with 5,000 miles or less. Used auto loans are for the previous model year or older with over 5,000 miles. We also offer vehicle loans for motorcycles and RVs, including motorhomes, boats, and travel trailers.
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How much can I borrow and how long do I have to pay it back?
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We offer different loan amounts with a variety of terms:
- You can borrow a minimum of $10,000 for 61 to 72 months.
- You can borrow a minimum of $20,000 for 73 to 84 months.
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What rate will I get for my vehicle loan?
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We offer you an annual percentage rate (APR) based on your financial situation, including your credit score and debt-to-income ratio. If needed, we can help you improve your credit before you apply for your auto loan or any other financing.
- Higher credit scores get lower rates
- Shorter loan terms get lower rates
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How much will my payment be?
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You can use our auto loan calculator to see how purchase price and interest rate impact your monthly payment. Enter your estimated figures to find an affordable payment for your budget!
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What is the auto loan First-Time Buyer program?
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This program helps members who may not have an established financial history obtain auto financing. We will take a look at your overall situation instead of just seeing you as a number.
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Are there rate discounts available?
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ACU offers the following rate discounts for vehicle loans:
- 0.50% for Active-Duty Military, Military Veterans, and First-Responders
- 0.25% for Debt Protection
- 0.50% for External ACH Payment
- 0.75% for autopay from ACU account with direct deposit equal to, or greater than, loan payment
- Max aggregate discount allowed = 1.50%
Need Financing to Unlock the Future? We Got You.
Smart borrowing today helps build a better future. Need money for an important purchase, milestone event, college degree, or home renovation? We’re here for all that because we’re here for you.
Personal Loans
For the things you need to get ahead in life, or for opportunities worth celebrating, our personal loans offer flexible financing.
Credit Cards
ACU VISA® credit cards offer a host of perks like competitive rates, special features, and the opportunity to earn rewards for everyday spending.
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Home Equity Loans
Tap into the value you already own in your home for upgrades, renovations, and just about anything else.
Learn More
Get in Touch With ACU Today
**APR=Annual Percentage Rate. APR received subject to credit. The advertised rate is the floor rate, and is based on creditworthiness, age of vehicle and terms of the loan with the max discounts applied. Rate can be higher depending on credit performance and subject to change without notice. Some restrictions may apply. Interest will begin to accrue from the date of disbursement. Unless otherwise stated, the first payment must be within 45 days. ACU membership with $25 membership pledge required to open an account.