Loan Rates


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: 05/10/2024

TypeFICO ScoreRate based on FICO score
Personal Loan*700 or more7.00% APR**
Personal Loan*650-6998.00% APR**
Personal Loan*600-64910.00% APR**
Personal Loan*Less than 60011.00% APR**
Personal Loan

* 5 Year Maximum term; $10,000 Maximum

** APR – Annual Percentage Rate

Additional Requirements: 1 Current Pay Stub, Application

TypeFICO ScoreRate based on FICO score
New Auto Loan*700 or more4.50% APR**
New Auto Loan*650-6995.00% APR**
New Auto Loan*600-6496.25% APR**
New Auto Loan*Less than 6006.75% APR**
New Auto Loan

* Up to 100% NADA financing; Maximum loan $50,000; Maximum term is 60 months or 5 years

** APR – Annual Percentage Rate

Additional Requirements: Application, Purchase Order Insurance Binder with ACU listed as “First Lien Holder”; $25.00 Single Interest Fee; GAP Insurance – $250 (optional)

TypeFICO ScoreRate based on FICO score
Used Auto Loan*700 or more5.00% APR**
Used Auto Loan*650-6995.50% APR**
Used Auto Loan*600-6497.00% APR**
Used Auto Loan*Less than 6007.50% APR**
Used Auto Loan

* Up to 100% NADA financing; Maximum loan $50,000; Maximum term is 60 months or 5 years

** APR – Annual Percentage Rate

Additional Requirements: Application, Purchase Order Insurance Binder with ACU listed as “First Lien Holder”; $25.00 Single Interest Fee; GAP Insurance – $250 (optional)

TypeFICO ScoreRate based on FICO score
New RV Loan*700 or more6.00% APR**
New RV Loan*650-6997.00% APR**
New RV Loan*600-6497.50% APR**
New RV Loan*Less than 6008.00% APR**
New RV Loan

* Up to 90% NADA financing; Maximum loan $50,000; Maximum term is 60 months or 5 years

** APR – Annual Percentage Rate

Loan origination fees: $25 VSI Insurance Filing Fee as well as $25 RMV title fee for refinances only. Optional GAP Insurance offered for $250, which can be financed.

TypeFICO ScoreRate based on FICO score
Used RV Loan*700 or more6.50% APR**
Used RV Loan*650-6997.50% APR**
Used RV Loan*600-6498.00% APR**
Used RV Loan*Less than 6008.50% APR**
Used RV Loan

* Up to 90% NADA financing; Maximum loan $50,000; Maximum term is 60 months or 5 years

** APR – Annual Percentage Rate

Loan origination fees: $25 VSI Insurance Filing Fee as well as $25 RMV title fee for refinances only. Optional GAP Insurance offered for $250, which can be financed.

TypeRate (as low as)
Share Secured Loan*3.00% APR**
Share Secured Loan

* Up to 100% of balance; 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.

** APR – Annual Percentage Rate

Additional Requirements: 1 Current Pay Stub, Application

TypeRate (as low as)
Mass Save Heat Loan*0.00% APR**
Mass Save Heat Loan

* 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!

** APR – Annual Percentage Rate

Additional Requirements: 1 Current Pay Stub, Application, Mass Save Authorization Form

TypeRate (as low as)
Home Equity Line of Credit*Variable APR, **WSJ Prime Rate + 0.00%
Fixed Equity*
Up to 60 months
6.25% APR**
Fixed Equity*
61 to 84 months
6.75% APR**
Fixed Equity*
85 to 120 months
7.50% APR**
Fixed Equity*
121 to 180 months
8.00% APR**
Real Estate Loans

* $250,000 Maximum Based on Available Equity. Good credit history required. Any loan may require a cosigner. Homeowner’s insurance is required for any fixed home equity loan or HELOC.

** APR – Annual Percentage Rate

Additional Requirements: 1 Current Pay Stub, Application; Copy of Mortgage/Deed, along with the Legal Description “Exhibit A”, Tax Bill