Phone: (307) 745-4726
Toll Free: (877) 945-4726
Fax: (307) 742-5238
Loan Fax: (307) 745-7389
E-mail: acpe@acpefcu.com Visit us on Facebook
ACPE Loan Rates
All rates are annual percentage rates (APRs) based on your FICO credit score and the length of the lending term.
If you are interested in fixed rate and variable rate home mortgage loans, please contact our Loan Department at (307) 745-4726 / fax number (307) 745-7389.
The following table is merely a guide to help you plan for a consumer loan:
| FICO Score | Rating | Base Rate | Financing Available |
| 850 – 800 | A+ | 5.00% | 120% |
| 799 – 720 | A | 5.25% | 120% |
| 719 – 680 | B+ | 6.00% | 120% |
| 679 – 650 | B | 7.50% | 110% |
| 649 – 600 | C | 10.00% | 100% |
| 599 – 550 | D | 14.00% | 80% |
| 549 – below | F | 18.00% | 70% |
Auto Loan Rates
| Vehicle Year | Add to Base Rate | Maximum Term |
| New – 2007 | – | 84 Months* |
| 2006 – 2002 | 0.75% | 72 Months |
| 2001 – 1997 | 1.00% | 60 Months |
| 1996 – Older | 2.00% | 36 Months |
* 84 Month (7 Year) financing will be available on loans $35,000.00 and above.
Recreational Vehicle Loans Rates
| Laon Value | Term | |
| New Recreational Vehicles (100% Financing) | ||
| $6,000 – $10,000 | 60 Months | |
| $30,000 and above | 84 Months* | |
| Used Recreational Vehicles (90% Financing) | ||
| $6,000 and above | 60 Months | |
| $4,001 – $5,999 | 48 Months | |
| $4,000 and below | 36 Months | |
| Campers and Motorhomes: The above rates apply but the term can be negotiated on loans over $30,000.00 up to a maximum of 120 months. These will be handled on a |
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* Rate will increase 0.25% for each year over 5 years.
Recreational Vehicle Loans use rates of above FICO chart with an additional 0.75% to the rate for new
purchases and 1.25% for used purchases as collateral.
Personal & Miscellaneous Collateral Loan Rates
Personal Loans add 4.00% to above FICO rates. Maximum rate that can be charged is 18.00%. Terms are determined by lender.
Share Secured Loan Rates
Lending is secured at 2.00% above the rate the account is earning.
Mobile Home Loans
New Mobile Homes add 6.00% to FICO rate.
Used Mobile Homes add 7.00% to FICO rate.
Used Mobile Homes are those no older than 15 years.
All FICO scores under 650 will be determined on a case-by-case basis. Maximum term limits on a mobile home will be 10 years (120 months). Any large loan amounts may be negotiated but must be approved.
