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AcceleRate Auto Loans

Pay on time. Lower your rate.
Our AcceleRate auto loan makes it happen for you!


Our AcceleRate auto loan rewards you with an annual percentage rate (APR) discount of .50% for each 12 consecutive, on time auto loan payments you make*!

  • Available for all Island auto loans (except members who qualify for APR lower than floor rate)
  • Initial loan granted at the current rate for which you qualify
  • Rate can reduce .50% annually, after each 12 consecutive, on time payments
  • There is no maximum number of times that your rate can reduce, but it cannot go below the floor rate of 4.75%
  • Maximum loan term: 72 months

For every 12 timely payments you make, we will LOWER your rate .50 percentage points. After four years, you could lower your auto loan rate by 2.0 percentage points!*

  |  Call (800) 848-5654, option 5  |  Find a branch


Terms & Conditions

*Rate reduction is contingent on 12 consecutive on-time loan payments. Standard underwriting and product guidelines apply.
Not valid for existing Island auto loans. Please contact the credit union for additional details.