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Loan Rates

Auto Loans   Apply Now

Annual Percentage Rate (APR) Fixed Rate
New Car Loans (2019 and Newer)
Up to 36 Months 1.75%
Up to 48 Months 2.00%
Up to 60 Months 2.25%
61 - 76 Months 2.74%
84 Months 3.99%
Used Car Loans (2018 and Older)
Up to 36 Months 1.99%
Up to 48 Months 2.25%
Up to 60 Months 2.50%
61 - 76 Months 3.24%
84 Months 4.24%
  Effective Date: November 1, 2020

Visa Credit Cards   Apply Now

Card Options Annual Percentage Rate (APR) Fixed Rate
Visa Platinum (Maximum limit of $25,000) 8.99%
Visa Gold (Maximum limit of $15,000) 11.99%
Visa Classic (Maximum limit of $10,000) 14.99% - 17.99%
Visa Share Secured (Credit limits of $500 to $25,000) 5.99%

All Purpose Loans   Apply Now

Loan Type  Annual Percentage Rate (APR)  
Signature Loan 11.00% - 18.00%
Bill Consolidation 11.00% - 18.00%
Open End Line-of-Credit 11.00% - 18.00%
Personal Loan 11.00% - 18.00%
Share Secured/New Beginning Loan 5.75%
Cash Out Auto 7.00%
. Effective Date: November 1, 2020

Recreation Vehicles and Boats   Apply Now

Vehicle Type  Annual Percentage Rate (APR)
New Cycles 5.50%
Used Cycles 7.00%
New Personal Watercraft 5.50%
Used Personal Watercraft 7.00%
New Off-Road Vehicle 5.50%
Used Off-Road Vehicle 7.00%
New Motorhomes, Trailers and RVs 4.50%
Used Motorhomes, Trailers and RVs 5.00%
New Boats 5.50%
Used Boats 7.00%
. Effective Date: November 1, 2020

Manufactured Homes   Apply Now

Home Type  Annual Percentage Rate (APR)  
New Single and Doublewide - Park Models 8.75%
Used Single and Doublewide - Park Models 9.00%
. Effective Date: November 1, 2020

*Annual Percentage Rate (APR). 1% cashback calculated on amount financed and disbursed at loan funding. Maximum $500 and may be subject to taxation. Offer available exclusively when loan is funded directly at AEA. Offer expires December 31, 2020. No payment due for 60 days. Interest accrues during deferral period. Offer not valid on current AEA auto loans. Must retain vehicle financing at AEA Federal Credit Union for 180+ days to retain 1% cashback reward. Offer subject to cancellation. Rate may vary depending on each individual’s credit history and underwriting factors. Certain restrictions apply. Rates, terms, and conditions are subject to change without notice. Equal Opportunity Lender.


All lending offers are subject to credit approval. Actual rates may vary depending on the term of loan, amount financed, and personal credit history. Rates are subject to change. Certain restrictions apply. For more information, please contact a Member Services Representative at (928) 783-8881.


Equal Opportunity Lender

Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS 746414 .
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