(724) 845-8923 amfcu4u@windstream.net




AMFCU uses a risk based lending policy to determine a member’s interest rate. In grading a loan application, the credit bureau provides a calculated national risk score, which is then matched to a letter score of A, B, C, D, or  F.
Rates have been set according to a corresponding letter grade. The letter grade of A would receive our best rate, while tiers B, C, D, and F grades would each receive a slightly higher interest rate.  Rates are based on credit risk, vehicle year, term and amounts financed. 
The purpose in offering risk based loans is to help as many members as possible.  We recognize that certain members represent more risk than others.  We will not grant loans where the probability of repayment is very doubtful.  We recognize the importance of managed risk.  We also recognize members who are charged unfavorable rates with other lenders that we could help with a managed risk program that saves these members substantial money while helping them rebuild their credit.
APR – Annual Percentage RateAMFCU assumes no responsibility for errors or omissions.  Please contact the credit union to verify any rates or additional information.





PHONE: (724) 845-8923

FAX: (724) 845-7452




8:30 am to 4:30 pm –

Last transaction 4:15 pm


Last Business Day of month –

Last transaction 3:00 pm


We Now Have E-Lending

The Credit Union now offers E-Lending with secure signing & encrypted emails.

This is an easy and convenient way to apply for, and sign loan documents.

Send email stating, “I would like to start an E-Loan” to: amfcu4u@windstream.net

Please include your full name and phone number in the email.

Vehicle & Motor Cycle Loan Rates as of 1-1-2021

***Loan Rates are Subject to Change***

Vehicle & Motor Cycle Rates
(100% of Sticker on New or Max NADA Value on Used)
TERMRATE as low as
2020-202136 Months1.99%
48 Months2.49%
60 Months2.49%
72 Months2.49%
2016-201936 Months2.99%
48 Months2.99%
60 Months2.99%
72 Months3.49%
2014-201536 Months4.75%
48 Months4.75%
60 Months4.75%
2013 and Older36 Months5.00%

Other Title Secured Rates as of 1-1-2021

***Loan Rates are Subject to Change***

Other Title Secured
(Boats, ATVs, Box-Trailers, & Motor Homes)
100% of sticker on New & Max NADA Value on Used
TermRate as low as
2020-202136 Months3.25%
48 Months3.50%
60 Months3.50%
72 Months3.75%
2016-201936 Months4.50%
48 Months4.75%
60 Months4.75%
2014-201536 Months6.50%
48 Months6.75%
60 Months7.00%
2013 & Older36 Months7.00%

Home Equity Loan Rates as of 1-1-2021

***Loan Rates are Subject to Change***

Home Equity Loan
(No Fees if Kept Through 60 Months)
TermFixed Rates
5 Years4.25%
6 to 10 Years4.50%
11 to 15 Years5.00%

Mobile Home Loan Rates as of 1-1-2021

***Loan Rates are Subject to Change***

Mobile Home LoansTermFixed Rates as low as
5 Years9.00%
6 Years9.00%
7 Years9.50%
8 Years9.50%
9 Years11.00%
10 Years11.50%

100% Share Secured Loan Rates as of 1-1-2021

***Loan Rates are Subject to Change***

100% Share Secured LoansTermRate as low as
Up to 36 Months2.75%
48 Months2.99%
60 Months3.25%

Signature Loan Rates Table as of 1-1-2021

***Loan Rates are Subject to Change***

Signature LoansTermRate as low as
12 Months7.00%
24 Months7.25%
36 Months7.50%
48 Months7.75%
60 Months7.75%

Your savings is federally insured up to $250,000.00 through the National Credit Union Administration, a U. S. Government Agency and backed by the full faith and credit of the United States Government. For More information, visit www.ncua.gov.

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