Area Educational Credit Union - Rates

APR = Annual Percentage Rate

New Cars (rates as of 05/21/2025)
Term	20% Down	Up to retail value	Up to 120% of Retail
36 months	3.90% APR	4.50% APR	4.90% APR
48 months	4.50% APR	4.90% APR	5.50% APR
60 months	4.90% APR	5.50% APR	5.90% APR
72 months	5.50% APR	5.90% APR	6.50% APR

Used Cars: 2024 - 2025
Term	NADA Trade-in Value	Up to retail value	Up to 120% of Retail
36 months	4.50% APR	4.90% APR	5.50% APR
48 months	4.90% APR	5.50% APR	5.90% APR
60 months	5.50% APR	5.90% APR	6.50% APR
72 months	5.90% APR	6.50% APR	6.90% APR

Used Cars: 2022 - 2023
Term	NADA trade-in value	Up to retail value	Up to 120% of Retail
24 months	4.90% APR	5.50% APR	5.90% APR
36 months	5.50% APR	5.90% APR	6.50% APR
48 months	5.90% APR	6.50% APR	6.90% APR
60 months	6.50% APR	6.90% APR	7.50% APR

Used Cars: 2019 - 2021
Term	NADA trade-in value	Up to retail value	Up to 120% of Retail
24 months	5.90% APR	6.50% APR	6.90% APR
36 months	6.50% APR	6.90% APR	7.50% APR
48 months	6.90% APR	7.50% APR	7.90% APR

Used Cars: 2012 - 2018
Term	NADA trade-in value	Up to retail value	Up to 120% of Retail
24 months	7.50% APR	7.90% APR	8.50% APR
36 months	7.90% APR	8.50% APR	8.90% APR

New
Term	20% Down	Up to retail value
36 months	4.90% APR	5.50% APR
48 months	5.50% APR	5.90% APR
60 months	5.90% APR	6.50% APR

Used: 2024 - 2025
Term	NADA Trade-in Value	Up to retail value
36 months	5.50% APR	5.90% APR
48 months	5.90% APR	6.50% APR
60 months	6.50% APR	6.90% APR

Used: 2022 - 2023
Term	NADA Trade-in Value	Up to retail value
24 months	5.90% APR	6.50% APR
36 months	6.50% APR	6.90% APR
48 months	6.90% APR	7.50% APR
60 months	7.50% APR	7.90% APR

Used: 2019 - 2021
Term	NADA Trade-in Value	Up to retail value
24 months	6.90% APR	7.50% APR
36 months	7.50% APR	7.90% APR
48 months	7.90% APR	8.50% APR

Used: 2012 - 2018
Term	NADA Trade-in Value	Up to retail value
24 months	8.50% APR	8.90% APR
36 months	8.90% APR	9.50% APR

Personal Loan Rates
Term	Rate
Up to 24 months	12% APR
25-36 months	13.5% APR