Loans

Vehicle Loans

We provide financing for new and used vehicles, boats, campers, ATVs, and snowmobiles at some of the best interest rates and terms. We can also refinance a vehicle loan you have from another lender at any time. View our rates.

  • 100% financing available

  • Terms from 36 to 72 months

  • No prepayment penalties or application fee

  • Easy to apply

  • Make weekly or biweekly payments and pay your loan off sooner. It will also reduce the amount of interest paid because you end up making extra payments throughout the term of the loan

  • Credit Life & Disability Insurance and GAP Insurance available

  • Same day approval in most cases

Personal Loans

We offer personal loans with low rates to cover any expense you may have. View our rates.

Share Secured Loan

  • Borrow up to the balance in your savings

  • Interest rate is 2% over what your savings account or certificate currently earns

  • Continue to earn dividends on the full amount in your account

Unsecured Loan

  • Loan amounts up to $3,000.00

  • Terms up to 36 months

  • Single payment notes available

Credit Builder Loan

  • Proceeds are deposited in an Athens Area Credit Union Savings Account

  • Interest rate is 2% over the rate being paid on the savings account

  • Payments can be transferred directly from the savings each month

  • Develops a positive credit history, which will aid in future borrowings

Real Estate Loans

Athens Area Credit Union (NMLS# 627362) offers financing for new home purchases, recreational land purchases, or refinance of your current mortgage or land loan. We will finance 80% of the purchase price or appraised value on mortgage loans and 75% on land loans. View our rates.

  • No application or origination fee

  • No prepayment penalty

  • Never sold on the secondary market

  • 3-year, 5-year, 7-year and 15-year fixed rate mortgage loans available

  • Make weekly or biweekly payments and pay your loan off sooner. It will also reduce the amount of interest paid because you end up making extra payments throughout the term of the loan