Acadia Auto Loans
When the temps dip below zero, the last thing you want is a car you can't rely on. Our low-rate auto loan can get you exactly where you need to go. Plus our application process is fast, friendly, and hassle-free.
- Competitive rates
- No minimum loan amount
- Pre-qualification available
- Loans for new and used vehicles
What would you like to do?
Rates & Fees
Vehicles, Tractors & Powersports
| Loan Term | APR* as low as | Model Year | |
|---|---|---|---|
| 2 to 5 Years
24 to 60 months | 6.39% | 2020 - New | |
| 2 to 5 Years
24 to 60 months | 7.39% | 2017 - 2019 | |
| 3 Years
36 months | 8.89% | 2014 - 2016 | |
| 4 to 5 Years
48 to 60 months | 10.14% | 2014 - 2016 (Min $12k) | |
| 6 Years 72 months | 6.40% | 2020 - New (Min $10k) | |
| 6 Years 72 months | 7.40% | 2017 - 2019 (Min $10k) | |
| 7 Years
84 months | 6.65% | 2020 - New (Min $30k) | |
| Tractors only
3 years 36 months | 8.89% | 2014 - 2016 | |
| Tractors only
4 or 5 years 48 - 60 months | 10.14% | 2014 - 2016 (Min $12k) | |
| Tractors only
7 years 84 months | 6.65% | 2020 - New Tractors (Min $20k) | |
| Tractors only
7 years, 1 month - 10 years 85 - 120 months | 9.40% | New (Min $20k) | |
Untitled recreational vehicles not to exceed term of 5 years if not new.
* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A+ credit
Loan Calculator
Format: 12M, 36M, 3Y, 7Y
More Info
We manage all our loans in-house and we’re fast. If you apply for an auto loan online, we’ll respond within 24 hours!
Not only do we boast the best customer service in the business, but we bend over backwards to make things convenient for you. You can apply extra payments directly to the principal balance of your auto loan or set up recurring payments and monitor the progress of your auto loan through our online banking service.
We also offer optional protections.
Frequently Asked Questions
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How is a credit score calculated?
Credit scores are calculated using many different pieces of credit data in your credit report.
Payment History: 40% of your score is payment history – a snapshot of how well you’ve paid your bills on time. Consistently paying your bills on time is important.
Credit Usage: 23% of your credit score is based on the amount of credit used out of the total credit available. Experts recommend using less than 30% of your total credit.
Credit Age: 21% of your score is credit age. The longer your credit history, the better.
Account Mix: 11% of your score is based on revolving credit (credit cards) and installment accounts (student loans, auto loans, mortgage).
Inquiries: 5% of your score comes from “hard” inquiries, such as when you apply for a loan or credit card.
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How do I make a loan payment?
We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!
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Can borrowers use their savings or share certificate balances as collateral for a loan?
Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.
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Can I make a loan payment using a debit card, credit card, or by ACH?
Acadia will accept your loan payment via Express Pay, using a debit card or ACH using another financial institution. We are unable to accept credit cards as a payment type, due to regulations put forth by legislation. To make a payment via debit card or ACH, you can call us at 1-855-692-2234, contact us through Live Support in the lower right corner of our website, or take care of the payment yourself using our Web Payment Center, hosted and managed by Bacon Pay/SWBC. Click “Register” if you don’t have a payment account set up.
Keep in mind that you will be assessed a fee when you perform this self-guided transaction, which is $5 at the time of this posting (subject to change at any time). The maximum payment that can be made this way is $1,000. You will need to know your account number to register your Acadia FCU account for this service.
For other ways to make a loan payment, check this page.
Note: If you are unable to perform this self-guided service through the Web Payment Center and need an Acadia FCU Member Service Representative to assist you, the fee is $10 at the time of this posting (subject to change at any time).
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Does Acadia have any loan offers or other promo or savings opportunities at this time?
Check out this page to see what exciting specials or promotions Acadia has going on right now!
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Where can I find Acadia’s disclosures or new account forms and applications?
You can find all of Acadia’s important disclosures and various account applications right here.
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Can I insure my monthly payments?
Yes, we offer Acadia FCU Debt Protection on auto loans.
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What vehicle types can be financed?
We offer competitive loan rates on cars, trucks, motorcycles, ATVs / four wheelers, UTVs, snowmobiles, boats, jet-skis and other personal watercraft, scooters, campers, tractors, and more!
Need help? Send us a message.
A few years ago, we shopped for a vehicle and Acadia came back with the lowest rates and best terms by a mile. We just traded in last fall and the dealer sent our application out to all the banks and credit unions. No surprise—Acadia still had the best rates and best terms. Brady M., member since 2015