Credit union · NCUA insured
Americo FCU Auto Loan Rates
Top CarrotAmerico FCU auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Americo FCU’s auto loan rates compare
Compared with banks and credit unions near Erie, PA, where Americo FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Americo FCU
4.49%APR
- Terms
- up to 60 months
Autos & Motorcycles (2022 & Newer)
2nd-lowest rate
Tri State Rail Federal Credit Union
4.49%APR
- Terms
- 49–60 months
3rd-lowest rate
Corry FCU
4.49%APR
- Terms
- up to 60 months
Americo FCU auto loan score
89
Auto loan score
Higher than 89% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Americo FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Special
Promotional rates apply to new monies only. Does not qualify for any additional reductions. Membership is required. All loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Lowest possible rate 4.49% APR. Promotional rates apply to new monies only. Does not qualify for any additional reductions. Effective 10-01-2026 through 10-31-2026. Estimated monthly payment on $10,000.00 borrowed at 4.49% APR for 36 months is $297.43. |
Sources (1)
- americofcu.com/borrow/auto-special · captured Oct 16, 2026
Autos & Motorcycles (2018 & Older)
Rate based on creditworthiness, term and other conditions. Rates for vehicles older than 12 model years or over 120,000 miles will be higher. A .25% discount off qualifying APR available with auto payment enrollment (minimum rate with any discount is 4.49% APR). Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 60 months | 7.24% | Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 72 months | 7.49% | Lowest possible APR disclosed. Secured loan terms between 61 – 72 months require $10,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 84 months | 9.24% | Lowest possible APR disclosed. Secured loan terms between 73 – 84 months require $20,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
Sources (1)
- americofcu.com/borrow/loan-rates · captured Oct 16, 2026
Autos & Motorcycles (2019 – 2021)
Rate based on creditworthiness, term and other conditions. Rates for vehicles older than 12 model years or over 120,000 miles will be higher. A .25% discount off qualifying APR available with auto payment enrollment (minimum rate with any discount is 4.49% APR). Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 60 months | 5.74% | Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 72 months | 6.24% | Lowest possible APR disclosed. Secured loan terms between 61 – 72 months require $10,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 84 months | 6.74% | Lowest possible APR disclosed. Secured loan terms between 73 – 84 months require $20,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
Sources (1)
- americofcu.com/borrow/loan-rates · captured Oct 16, 2026
Autos & Motorcycles (2022 & Newer)
Rate based on creditworthiness, term and other conditions. Rates for vehicles older than 12 model years or over 120,000 miles will be higher. A .25% discount off qualifying APR available with auto payment enrollment (minimum rate with any discount is 4.49% APR). Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.49% | Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment (minimum rate 4.49% APR). |
| up to 60 months | 4.49% | Lowest possible APR disclosed. A .25% discount off qualifying APR available with auto payment enrollment (minimum rate 4.49% APR). |
| up to 72 months | 4.99% | Lowest possible APR disclosed. Secured loan terms between 61 – 72 months require $10,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 84 months | 5.49% | Lowest possible APR disclosed. Secured loan terms between 73 – 84 months require $20,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
| up to 120 months | 8.99% | Term for vehicles 2022 and Newer. Lowest possible APR disclosed. Secured loan terms between 85 – 120 months require $30,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment. |
Who can join Americo FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of participating Select Employee Groups (SEGs) / sponsor companies.
Family and household
- Immediate family members (spouse, children, grandchildren, parents, grandparents, siblings, step-children, step-parents) of an eligible member can join.
Cost to join
- A $5.00 minimum share deposit in a savings account is required to open an account and maintain membership.
Membership information collected October 5, 2026.