• Do your homework. Research to find out what constitutes a fair price. Visit sites that provide fair market value and for pre-owned vehicles, look at the car's history report.
• Get pre-approved at AmeriCU first. It's a good idea to get pre-approved before you shop, so you know what your rate will be. Also, you'll be in the driver's seat, knowing how much you can afford and what you're willing to pay.
• Negotiate the price!

Click here to view our current rates. The rate you pay will be determined by the amount and term of loan and your credit history. Rates are subject to change.

Relationship pricing rewards members who utilize our services. If you have direct deposit and one of the following services, your rate is reduced by 0.25%:

• Checking account
• Automatic loan payment

We make applying for a loan easy:

• Login to your account to Apply Online
• Stop by any of our conveniently located offices
• Call our Loan Phone at 1.800.388.2000, (Utica/Rome area: 315.356.3000)

  Monday- Friday, 9 AM to 5 PM or Saturday, 9 AM to 12 PM