When you’re looking for excellent rates on loan products, look no further – Alpha CU have the competitive rates you’re looking for.

Rates Effective: 7/31/2020

Personal Loans
Loan Type Rates based on FICO score Additional Requirements
Score Rate
Personal Loan
5 Year Maximum term
$10,000 Maximum
700 or more 7.00% APR* 1 Current Pay Stub, Application
650-699 8.00% APR*
600-649 10.00% APR*
Less than 600 11.00% APR*
New Auto Loan
Loan Type Rates based on FICO score Additional Requirements
Score Rate
New Auto Loans
Up to 100% NADA financing
Maximum loan $50,000
700 or more 2.70% APR* Application, Purchase Order
Insurance Binder with
ACU listed as "First Lien Holder"
$25.00 Single Interest Fee
GAP Insurance - $275.00 (optional)
650-699 3.50% APR*
600-649 5.20% APR*
Less than 600 6.20% APR*
Used Car Loan
Loan Type Rates based on FICO score Additional Requirements
Score Rate
Used Cars
Up to 100% NADA financing
Maximum loan $50,000
700 or more 2.99% APR* Application, Purchase Order
Insurance Binder with
ACU listed as "First Lien Holder"
$25.00 Single Interest Fee
GAP Insurance - $275.00 (optional)
650-699 3.99% APR*
600-649 5.55% APR*
Less than 600 6.55% APR*
New RV Loan
Loan Type Rates based on FICO score Additional Requirements
Score Rate
New RV
Up to 90% NADA financing
$50,000 Maximum
700 or more 4.00% APR* -
650-699 5.00% APR*
600-649 6.20% APR*
Less than 600 7.20% APR*
Used RV Loan
Loan Type Rates based on FICO score Additional Requirements
Score Rate
Used RV
Up to 90% NADA financing
$50,000 Maximum
700 or more 4.25% APR* -
650-699 5.25% APR*
600-649 6.50% APR*
Less than 600 7.50% APR*

For Auto & Recreational Vehicle Loans: Maximum term is 60 months or 5 years. Loan origination fees: $25 VSI Insurance Filing Fee as well as $25 RMV title fee for refinances only. Optional GAP Insurance offered for $275, which can be financed.

Share Secured Loans
Loan Type Rates (as low as) Additional Requirements
Share Secured
up to 100% of balance
3.00% APR* 1 Current Pay Stub, Application

Secured by your funds in an Alpha CU share account.Helps to establish or re-establish good credit history.Your funds are released as you pay off your balance.

Mass Save Heat Loans
Loan Type Rates (as low as) Additional Requirements
Mass Save Heat Loan
7 Year Maximum Term
$25,000 Maximum
0.00% APR* 1 Current Pay Stub, Application,
Mass Save Authorization Form

To assist with the installation of qualified energy efficient home improvements. $25,000 Max (*May require UCC1 Filing). 7 Year Maximum Term. No Closing Costs!**

Real Estate Loans
Loan Type Rates (as low as) Additional Requirements
Home Equity Line of Credit
Variable APR as low as 3.25%
$250,000 Maximum Based
on Available Equity
No closing costs **
1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with
the Legal Description "Exhibit A", Tax Bill
Fixed Equity
Up to 60 months
4.00% APR*
$250,000 Maximum Based
on Available Equity
No closing costs **
1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with
the Legal Description "Exhibit A", Tax Bill
Fixed Equity
61 to 84 months
4.25% APR*
$250,000 Maximum Based
on Available Equity
No closing costs **
1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with
the Legal Description "Exhibit A", Tax Bill
Fixed Equity
85 to 120 months
4.50% APR*
$250,000 Maximum Based
on Available Equity
No closing costs **
1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with
the Legal Description "Exhibit A", Tax Bill
Fixed Equity
121 - 180 months
4.75% APR*
$250,000 Maximum Based
on Available Equity
No closing costs **
1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with
the Legal Description "Exhibit A", Tax Bill

* APR = Annual Percentage Rate - Rates subject to change without notice.
Good credit history required. Any loan may require a cosigner.
Homeowner's insurance is required for any fixed home equity loan or HELOC.
**Closing costs for Fixed HE or HELOC must be reimbursed if loan is paid in full before 36 months.