Whether you’re buying brand new, or just new-to-you, all AmeriCU loans accept:

  • All model car years
  • Minimum loan amounts of $5,000 for terms up to 72 months
  • Minimum loan amounts of $40,000 for an 84-month term
  • Loan terms based on credit score, amount financed, and model year.
  • ACUshield Debt Protection – to protect you from the unexpected.
  • GAP Protection
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Traditional Auto Loan

Let AmeriCU put you in the driver seat with a great rate and a smooth ride from application to closing.

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Lease-Like Auto Loan

Our PaySaver Auto Loan offers payments that are considerably lower than conventional financing, but unlike a lease, you own the vehicle and have all of the flexibility and benefits of vehicle ownership!

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Refinancing An Auto Loan

Could you stand to save a little extra each month on your auto loan? Consider refinancing your vehicle with us to a lower rate!

Auto Loan Pre-Approval

Get Pre-Approved

AmeriCU may be able to pre-approve you for your next vehicle, meaning you’ll be prepared to finance before you ever step into a dealership.


Get the coverage you need to protect what matters most to you with ACUShield Debt Protection from AmeriCU.

Loan Protection

Auto Loan Resource Center

Not sure where to start? At AmeriCU, we are here to help you with every step of the auto buying process! Take advantage of our helpful tips, and there are some helpful calculators below to help you determine how much car you can afford, the value of your current ride, and more You can even take our short auto loans course to learn about financing options, fixed and variable interest rates, and monthly payment calculations.

Like we said, we’ll take care of the paperwork, and you worry about the test drive. AmeriCU representatives make the auto loan process as smooth as your next ride! From application to closing, in-person or over-the-phone, we’ve got you covered.

And have you considered an extended warranty? You should research extended warranties beyond the initial warranty offered by the manufacturer or car dealer to see if one fits your needs and budget. It may be beneficial to you in the long-run to have coverage.

Once you’re settled with your financing in hand, you’re set to head to the dealership and get your new set of keys! We hope you enjoy your new ride, and we’re glad that you chose AmeriCU to be part of this exciting experience. Be sure to keep us in mind for your next vehicle purchase or refinancing opportunity.

GAP Insurance

GAP Insurance

A vehicle’s value often declines much faster than a loan or lease balance. The difference between this value and the balance is the GAP.

GAP Benefits:

  • Gives you peace of mind by avoiding financial uncertainty after a traumatic loss
  • Allows for a “clean slate” when financing your next purchase
  • Protects your investment
  • The cost can be added to your loan

You may also be interested in

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Auto Insurance

Are you properly protected in the event your vehicle is stolen, damaged in an accident or cause injury to the rider, passenger or another person?

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MemberPlus is AmeriCU’s Relationship Pricing program that lets you use the power of your AmeriCU relationship to enjoy enhanced loan and Share Certificate rates and earn ATM rebates.

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Debt Protection

Life, Terminal illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent, Disability, or Involuntary Unemployment Claim? We are here to help!

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

Latest From AmeriCU

Center State CEO


Nov 29, 2023

AmeriCU Credit Union teammate navigates success through leadership program 

AmeriCU Credit Union is dedicated to fostering professional growth and excellence. The credit union proudly announces the graduation of Benjamin Mack, Commercial Loan Officer from the prestigious CenterState CEO Leadership Program.  

Lights on the Lake 2023


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Lights on the Lake

Lights On The Lake is now open for the season at Onondaga Lake Park in Liverpool. 

Why You Should Pay More Than the Minimum Balance on Your Credit Card


Nov 02, 2023

Why You Should Pay More Than the Minimum Balance on Your Credit Card

Credit cards also allow you to pay off your balance over time while still using your card. In other words, you can take on short-term debt, which isn’t necessarily a bad thing if you’re able to pay that debt off. 

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.

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