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A fuller, more rewarding life can be jump-started by the right, affordable loan.  We have many ways to get you going in the right direction.  While it would be great if you could just buy everything with cash, that's just not an option for most people.  That's why we offer a variety of consumer loans.  Applying for any of them is easy.  Plus we offer excellent rates and painless terms.  What that means is that you can get what you need now and pay for it over time, allowing you to meet all your other monthly financial obligations.  So if you have a dream or just an immediate need, look to us.

New and Used Car and Truck Loans

Switch and Ditch your current high interest rate auto loan financed at another financial institution.  Bring your car loan to us and we'll give you a $200 gas card* and a great rate.  Simply refinancing your auto loan with us could result in significant savings over the life of your loan and lower your monthly payments.  This offer is only valid through March 31, 2019, so don't waste another minute paying more for your auto loan than you need to. 

We make refinancing your car loan easy.  Simply apply online here.  We can typically approve and close on your loan within 24-48 hours.  You can conveniently close on your loan online. No need to come in. 

Purchasing a new vehicle?  We do up to 130% financing on auto loans with flexible terms of up to 75 months on new and used vehicles.  Get preapproved with us before you head to the dealership or refinance your existing auto loan for a lower monthly payment.

Wheels to Work

This program is intended to provide a loan for a solid, reliable automobile to working members, who may have some credit challenges. We know that getting to work, on a regular basis needs to have reliable transportation as a basic component. We've designed this program to fill that need.

Boat, Camper and Travel Trailer Loans

Motor Home Loans

New and Used Motorcycle Loans

New and Used ATV and Snowmobile Loans

Personal Loans

For any expected or unexpected purchase, enjoy the convenience of a personal loan. 

Credit Builder Loan

The ACU Credit Builder Loan is designed to enhance existing credit and to help establish new credit, and it couldn’t be more simple or beneficial. To make it easy, the loan funds are held in the member’s savings account for the term of the loan and then given to the member as a lump sum when the loan has been paid off – the member simply makes payments every month. 

Our Credit Builder Loan is an excellent solution for many who need assistance in establishing or improving their credit. If you think you might benefit from this please call us (978)-249-3527.

Collateral Loans

ACU members can use their certificate of deposit as collateral when they are in need of a loan. This allows our members to secure a loan at a lower rate while still keeping their money in the credit union earning a high yield. We offer flexible terms of up to 120 months. Call us at (978)-249-3527 to find out more.


*Refinance cannot exceed 120% NADA "retail book" value.  Vehicle must have less than 100,000 miles.  Other rates and terms are available based on model year and FICO credit score.  $60 VSI fee and $25 title fee.  Subject to credit approval and income verification.  Membership eligibility requirements apply.  Existing Athol Credit Union vehicle loans are not eligible for refinance.  $200 gas card provided at time of closing.