Traditional Auto Loans
Let AmeriCU put you in the driver seat with a brand-new auto loan, a great rate, and a smooth ride from application to closing.
Refinance an Existing Loan
Already have an existing AmeriCU auto loan? You can refinance with a minimum $1,000 cashout/disbursement and take advantage of no payments for 90 days!
Paysaver Auto Loan
Our lower-payment alternative allows you to own the vehicle for 4 to 6 years while enjoying all the flexibility and benefits of ownership. Plus, we’ll guarantee your vehicle’s value during the loan process, so you’ll know how much it’s worth once your terms are up.
If you still have the vehicle at the end of the term, you can keep it and refinance the loan, buy the vehicle outright, or simply walk away – you’ll have a guaranteed buyer!
Educational Course: Car Loans
Buying a car is a big decision that may feel intimidating or confusing. Let’s take a look at some resources, options, and steps to help guide you through the process of selecting and buying a car.
Calculators
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
What Does AmeriCU’s Field of Membership Expansion Mean for Members?
AmeriCU’s recent Field of Membership expansion into 27 additional New York counties creates new opportunities to increase convenience, access, and community investment for current and future members. The growth supports continued investments in technology, security, member services, and local partnerships while maintaining AmeriCU’s commitment to personalized service and financial success.
Events
Johnson Park Center Back-to-School Event – August 19, 2026
The Annual Back-to-School Giveaway at the JPG Community Center provides backpacks filled with school supplies, dental hygiene items, and additional food support to local families. Held alongside the organization’s weekly food pantry, the event serves children and families across Oneida, Herkimer, Otsego, Madison, and surrounding counties, with a goal of assisting 2,500 students in 2026.
Education
Creating a Budget for Back-to-School Shopping
This course teaches the fundamentals of creating and managing a budget so you can better understand your income, expenses, and spending habits. By applying these budgeting strategies to back-to-school shopping, you can maximize your money and stay on track with your financial goals.
*Applications subject to credit approval. Offer valid on new and used auto, motorcycle, power sports, residential equipment, marine, Paysaver auto loans, and recreational vehicle loans. Maximum loan term varies by loan type, but not to exceed 84 months. Interest begins accruing on date loan is opened and will be amortized over the monthly payments. AmeriCU loans are eligible for refinance with minimum $1,000 cash out/disbursement required. Programs, rates, terms and conditions subject to change without notice. Loans subject to credit approval. Other restrictions may apply. Offer expires 8/31/26. Membership eligibility is required. Insured by NCUA.