| Vehicle Loan Rates |
| Effective 6/18/2013; subject to change. |
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| New Vehicles (1) |  Apply Now |
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| $2,000 | 24 Months |
As low as 1.99% |
| $2,000 |
36 Months |
As low as 1.99% |
| $2,000 | 48 Months |
As low as 1.99% |
| $5,000 | 60 Months |
As low as 2.24% |
| $15,000 | 72 Months |
As low as 2.74% |
| $25,000 | 84 Months |
As low as 3.49% |
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New vehicles are model year 2011 or newer with less than 20,000 miles. Purchase contract must list auto as new. Alliance may finance up to 115% of MSRP or Kelley Blue Book retail value including tax, license, mechanical breakdown insurance and gap insurance.
GAP financing limits: Alliance will finance up to 100% of the premium for GAP sold by Alliance or up to $795 of the premium for GAP sold by a vehicle dealer. Mechanical breakdown insurance (MBI) financing limits: Alliance will finance up to 100% of the premium for MBI sold by Alliance or up to $4,000 of the premium for MBI sold by a vehicle dealer (within LTV Maximums).
Rate modifications of existing Alliance vehicle loans to a lower rate subject to approval and $50 fee.
No commercial vehicles. Trucks and vans limited to one ton.
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| Used Vehicles (1) | Apply Now |
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| $2,000 | 24 Months |
As low as 1.99% |
| $2,000 | 36 months |
As low as 1.99% |
| $2,000 | 48 Months |
As low as 1.99% |
| $5,000 | 60 Months |
As low as 2.49% |
| $15,000 | 72 Months |
As low as 2.99% |
| $25,000 | 84 Months |
As low as 3.99% |
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Used vehicles are model year 2006 to 2010. Purchase contract must list auto as used. Alliance may finance up to 115% of Kelley Blue Book retail value including tax, license, mechanical breakdown insurance and GAP insurance.
GAP financing limits: Alliance will finance up to 100% of the premium for GAP sold by Alliance or up to $795 of the premium for GAP sold by a vehicle dealer. Mechanical breakdown insurance (MBI) financing limits: Alliance will finance up to 100% of the premium for MBI sold by Alliance or up to $2,500 of the premium for MBI sold by a vehicle dealer.
Rate modifications of existing Alliance vehicle loans to a lower rate subject to approval and $50 fee.
No commercial vehicles. Trucks and vans limited to one ton.
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| Older Vehicles (1) | Apply Now |
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| $2,000 | 24 Months |
As low as 3.74% |
| $2,000 | 36 Months |
As low as 3.74% |
| $5,000 | 48 Months |
As low as 3.74% |
| $5,000 | 60 Months |
As low as 3.74% |
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Older vehicles are model years 1998 to 2005; 125,000 mile maximum Alliance may finance up to 100% of Kelley Blue Book private party value and "good" condition status including tax, license, mechanical breakdown insurance and gap insurance.
Rate modifications of existing Alliance vehicle loans to a lower rate subject to approval and $50 fee.
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| New Motorcycles (1) | Apply Now |
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| $2,000 | 24 Months |
As low as 4.49% |
| $2,000 | 36 Months |
As low as 4.49% |
| $2,000 | 48 Months |
As low as 4.99% |
| $5,000 | 60 Months |
As low as 4.99% |
| $15,000 | 72 Months |
As low as 5.24% |
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Alliance may finance up to 100% of MSRP on New Motorcycles or up to 100% of Kelly Blue Book on used Motorcycles including Tax, License, and warranty.
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| Used Motorcycles (1) | Apply Now |
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| $2,000 | 24 Months |
As low as 4.74% |
| $2,000 | 36 Months |
As low as 4.74% |
| $2,000 | 48 Months |
As low as 5.24% |
| $5,000 | 60 Months |
As low as 5.24% |
| $15,000 | 72 Months |
As low as 5.49% |
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Alliance may finance up to 100% of MSRP on New Motorcycles or up to 100% of Kelly Blue Book on used Motorcycles including Tax, License, and warranty.
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| New & Used Personal Watercraft (jet ski), ATV, Snowmobile, New Utility Tractor & Riding Mowers (1) | Apply Now |
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| $2,000 | 24 Months |
As low as 4.74% |
| $2,000 | 36 Months |
As low as 4.74% |
| $2,000 | 48 Months |
As low as 5.24% |
| $5,000 | 60 Months |
As low as 5.24% |
| $15,000 | 72 Months |
As low as 5.49% |
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Alliance may finance up to 100% of MSRP on New Jet Skis, ATVs, Snow Mobiles, Utility Tractors and Riding Mowers and up to 100% of Kelly Blue Book value including tax, license, and warranty.
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| New & Used Boats (1) | Apply Now |
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| $2,000 | 24 Months |
As low as 4.74% |
| $2,000 | 36 Months |
As low as 4.74% |
| $2,000 | 48 Months |
As low as 5.24% |
| $5,000 | 60 Months |
As low as 5.24% |
| $15,000 | 72 Months |
As low as 5.49% |
| $25,000 | 84 Months |
As low as 5.74% |
| $30,000 | 120 Months |
As low as 5.99% |
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Alliance may finance up to 100% MSRP on New boats. Used boats may be financed up to 100% of value including tax, license, and warranty. A Marine Appraisal is required on used boats. Maximum length allowed is 28 feet.
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| New Motorhomes/RV, 5th Wheel & Trailers (1) | Apply Now |
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| $5,000 | 24 Months |
As low as 4.74% |
| $5,000 | 36 Months |
As low as 4.74% |
| $5,000 | 48 Months |
As low as 5.24% |
| $5,000 | 60 Months |
As low as 5.24% |
| $15,000 | 72 Months |
As low as 5.49% |
| $25,000 | 84 Months |
As low as 5.74% |
| $30,000 | 120 Months |
As low as 5.99% |
| $50,000 | 144 Months |
As low as 7.50% |
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2010 or newer - up to 100% of appraised value including tax, license, mechanical breakdown and Gap Insurance. Gap insurance limits: 100% of Alliance policy or $795 of auto dealer's policy. Mechanical Breakdown Insurance: 100% of Alliance policy or $2,500 of auto dealer's policy. Refinance of current Alliance auto loan to lower APR is subject to approval and $50 fee
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| Used Motorhomes/RV, 5th Wheel & Trailers (1) | Apply Now |
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| $5,000 | 24 Months |
As low as 4.99% |
| $5,000 | 36 Months |
As low as 4.99% |
| $5,000 | 48 Months |
As low as 5.49% |
| $5,000 | 60 Months |
As low as 5.49% |
| $15,000 | 72 Months |
As low as 5.74% |
| $25,000 | 84 Months |
As low as 5.99% |
| $30,000 | 120 Months |
As low as 6.24% |
| $50,000 | 144 Months |
As low as 8.25% |
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2010 or older - 100% of Kelly Blue Book including tax and license. Gap insurance limits: 100% of Alliance policy or $795 of auto dealer's policy. Mechanical Breakdown Insurance: 100% of Alliance policy or $2,500 of auto dealer's policy. Refinance of current Alliance auto loan to lower APR is subject to approval and $50 fee.
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(1) Rates reflect a maximum 0.500% discount that includes: a) 0.250% Automatic Payment discount from an existing Alliance checking account and 0.250% discount using SmartPoints; OR b) 0.500% discount using SmartPoints. Contact a loan representative for details. Not to exceed floor of 1.99% APR. If rate is 1.99%, no additional discounts are available.
Retail KBB is limited to dealer purchases only. Use Private Property KBB "Good" condition for private party and equity out.
Rate discounts do not apply to Home Equity Loans, Home Equity Lines of Credit, Share or CD secured loans or Visa.
Alliance Credit Union extends vehicle loans under an closed-end program. O.A.C. means On Approved Credit. All loan commitments such as rate, term, loan amount and down payment requirements, etc. will be based on the credit worthiness and ability of the applicant(s) to meet the required loan pay off schedule. Our best rates are available to members who have a proven ability to manage their credit in an exemplary manner and the ability to effectively manage their level of unsecured debt while building assets. The maximum combined Personal Loan and Personal line-of-credit limit for members who are fully qualified is $30,000. The maximum secured loan limit for fully-qualified members (excluding those secured by pledged shares) is $1,000,000.
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