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: 11/28/2022
| 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* | ||
| 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 | 3.99% 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 | 4.50% APR* | ||
| 600-649 | 5.75% APR* | ||
| Less than 600 | 6.25% APR* | ||
| 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 | 4.25% 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 | 5.00% APR* | ||
| 600-649 | 6.00% APR* | ||
| Less than 600 | 6.50% APR* | ||
| Loan Type | Rates based on FICO score | Additional Requirements | |
|---|---|---|---|
| Score | Rate | ||
| New RV Up to 90% NADA financing $50,000 Maximum |
700 or more | 6.00% APR* | - |
| 650-699 | 7.00% APR* | ||
| 600-649 | 7.50% APR* | ||
| Less than 600 | 7.75% APR* | ||
| Loan Type | Rates based on FICO score | Additional Requirements | |
|---|---|---|---|
| Score | Rate | ||
| Used RV Up to 90% NADA financing $50,000 Maximum |
700 or more | 6.50% APR* | - |
| 650-699 | 7.50% APR* | ||
| 600-649 | 8.00% APR* | ||
| Less than 600 | 8.50% APR* | ||
For Auto & Recreational Vehicle Loans: Maximum term is 60 months or 5 years. Refinance your auto loan with just a 10-day payoff letter and insurance binder. *We offer GAP insurance for only $250, which can also be financed.
| 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.
| 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!**
| Loan Type | Rates (as low as) | Additional Requirements |
|---|---|---|
| Home Equity Line of Credit |
Variable APR, **WSJ Prime Rate + 0.00% $250,000 Maximum Based on Available Equity |
1 Current Pay Stub, Application Copy of Mortgage/Deed, along with the Legal Description "Exhibit A", Tax Bill |
| Fixed Equity Up to 60 months |
5.75% APR* $250,000 Maximum Based on Available Equity |
1 Current Pay Stub, Application Copy of Mortgage/Deed, along with the Legal Description "Exhibit A", Tax Bill |
| Fixed Equity 61 to 84 months |
6.00% APR* $250,000 Maximum Based on Available Equity |
1 Current Pay Stub, Application Copy of Mortgage/Deed, along with the Legal Description "Exhibit A", Tax Bill |
| Fixed Equity 85 to 120 months |
6.25% APR* $250,000 Maximum Based on Available Equity |
1 Current Pay Stub, Application Copy of Mortgage/Deed, along with the Legal Description "Exhibit A", Tax Bill |
| Fixed Equity 121 - 180 months |
6.50% APR* $250,000 Maximum Based on Available Equity |
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.
** Payments are super easy and convenient with payroll deduction!
Good credit history required. Any loan may require a cosigner.
Homeowner's insurance is required for any fixed home equity loan or HELOC.