Aurora Federal Credit Union

Great Rates on Flexible Loans

Aurora Federal Credit Union offers some of the most competitive loan rates and flexible terms. Click here to see our great rates! Plus, you always receive attentive service with a smile! Why go anywhere else?

Auto, Motorcycle and RV Loans

Aurora Federal Credit Union offers financing on automobiles as well as a variety of motorcycles and RVs, ATVs, campers, motor homes, boats, and more.

Free Auto Buying Services! Enjoy no haggle pricing for a more pleasant shopping experience.

You can't beat our competitive rates and a convenient approval process. With terms up to 84 months, and a variety of pay-back options, including payroll deduction, our flexible loans can fit any lifestyle.

Make auto shopping easy - get pre-approved! See a Loan Officer to get pre-approved before going to the dealer. Our convenient pre-approval process saves you time and money because you'll know your monthly payment and can skip the financing department at the dealership.

Homeowners - use home equity to finance your auto! Our Tax Saver Auto Loans allow you to use the equity in your home to finance your next vehicle purchase.

We offer GAP. Worried that your insurance settlement won't cover your outstanding loan balance in the event of an accident? We offer GAP to protect you in case your loan is upside down at the time of an accident or theft.

Major Mechanical Protection that costs less than the dealer's. Take advantage of an extended vehicle warranty without paying higher dealership prices. Major Mechanical Protection is available to cover mechanical repair. Packages can include roadside assistance and bumper-to-bumper coverage.

Contact a Loan Officer for more details about auto loans.

Visa Platinum Credit Card

Our low, fixed interest rate VISA Platinum credit card carries no annual fees and has many additional features including Travel Insurance Protection and personal concierge services.

Take advantage of our free rewards program ScoreCard Rewards and you will earn points towards merchandise and travel.

First Mortgage

Your credit union can help you purchase your next home with a fixed or adjustable rate first mortgage. Choose from Conventional or FHA at a variety of terms. Various interest-only options are also available and we offer refinances. There's even a special program for qualified first-time homebuyers!

Home Equity Line of Credit

We make it easy to use the equity in your home to take a vacation, pay off high interest debt, send your child to college and more. A HELOC is the perfect option for additional cash, anytime.

More stable rate: Our rate is based on the Wall Street Journal Prime Rate, so our HELOC can save you money over the life of your loan. With your line of credit, you will receive an 8-year draw period, and a 10-year payback period.

Consumer Handbook on Adjustable Rate Mortgages
CFPB Home Loan Toolkit

Fixed Rate Second Mortgage

These loans allow you to utilize the equity in your home to pay off high interest debt, take a vacation, pay for college and more. The locked interest rate and fixed payments make financial planning easy.

Home Improvement Loans

Increase your home's resale value by making home improvements with a loan. While equity may not be required, we’ll use your house as security for a Home Improvement Loans. We make it easy to undertake small remodeling jobs to large renovations with our competitive interest rates and flexible terms.

Smart Option Student Loan®

For college expenses not covered by scholarships and federal loans, Aurora Federal Credit Union has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Click here to apply and learn more details.

Small Business Loans

Running a business is challenging. If you’re short on the funds you need to reach your goals, it makes it even more difficult. That’s why Aurora Federal Credit Union has formed a partnership with Centennial Lending—so we can offer small business owners the convenience and flexibility of commercial loans tailored to fit your business needs. We offer a wide variety of loans and lines-of-credit so you can match your loan payments to your company’s cash flow. From terms for real estate to lines-of-credit, loans for buildings, vehicles or equipment, your loan officer can walk you through your options and create a loan to fit the specific needs of your business.

Secured Loans

We offer loans that are secured by a deposit in a share certificate account. The funds in the share account are held as collateral and released as payments are due. These loans are a great way to help establish, build, or maintain credit.

Unsecured Loans

If you face unexpected expenses or want to buy a big-ticket item quickly, apply for an unsecured loan. Personal signature loans are available up to $5,000 with a competitive, fixed interest rate and terms up to three years. See a Loan Officer for more details.

Overdraft Protection

We understand that sometimes you need protection from NSF fees. Obtain a convenient Overdraft Protection Line of Credit to give you peace of mind that your purchases are covered when your balance is not sufficient. Small monthly payments and a competitive interest rate make overdraft protection a convenient safety net.

See a Loan Officer for more information about any of the loans at Aurora Federal Credit Union.

First Responder Loan

First Responders in our community work tirelessly to serve the residents of Aurora, and we would like to offer a loan specific to their needs to return the favor. Aurora’s Firefighters, Police Officers, and Paramedics/EMTs can apply for a loan up $15,000 to help with work-related gear and equipment, paramedic school, service weapons, or other related expenses. This loan will provide a low cost financing option for various expenses to our first responders. Applicants must have an AFCU debit card and be a recruit or employee in a first responder field of employment. Click here to apply. Contact a Loan Officer for full details.

Qwik Loan

Need money fast? Our new Qwik Loan product offers you the flexibility to borrow up to $1,000 with terms of up to 6 months! Don’t get caught up in a never ending payday loan cycle, apply with Aurora Federal Credit Union today and borrow money on your own terms!



Click to view our Loan Rates online.

Buy a Pre-Owned Vehicle

Click to see current vehicles for sale.