Business Lending & Credit Cards

Manage. Grow. Succeed!

With AmeriCU Business Lending Solutions

When it comes to managing and growing your business, you need a financial partner eager to sit down with you and discuss solutions that will help your business run better today, tomorrow, and as you move it to new heights. That’s where your AmeriCU Business Lending Specialist comes in – to help guide you to the best credit strategy for your business, complete with competitive rates, flexible terms and quick approvals – all delivered with the exceptional service AmeriCU members expect.

AmeriCU Credit Union is approved to offer SBA loan products.

Business Credit Card

  • Maximum credit line: $50,000
  • Our Business Credit Card offers a six-month promotional interest rate of 3.9% on purchases, with a low standard rate of 9.9% on purchases thereafter.
  • No annual fee
  • DISCLOSURES
  • Visa® SavingsEdge

 Overdraft Line of Credit

  • Maximum credit line: $10,000
  • Attached to member’s business checking account
  • Automatic advances to cover overdrafts

Working Capital Line of Credit

  • Maximum credit lines: $50,000 (unsecured) and $500,000 (secured)
  • For short- term working capital needs

Equipment Term Loan

  • Maximum loan amount: $250,000.
  • Maximum 10-year term and amortization, depending on estimated useful life of equipment
  • 20% down payment required

 Express Vehicle Term Loan

  • Maximum loan amount; $50,000
  • Maximum loan-to-value: 120%
  • Maximum 7-year term and amortization
  • Cannot be used for fleet vehicle financing
  • Limited to cars, pick-ups, vans, and SUV's
  • Click here for application

Vehicle Term Loan

  • Maximum loan amount: $500,000
  • Maximum loan-to-value ratio up to 80%
  • Maximum 10-year term and amortization, depending upon the estimated useful life of vehicle(s)

Commercial Real Estate Mortgage

  • Maximum loan amount: $1,500,000
  • Maximum loan-to-value up to 80%

 

 

Federally insured by NCUA. Equal Housing Lender. Equal Opportunity Lender.

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