The American 1 Credit Union is a auto loan from American 1 Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is As low as: Motorcycle 6.74% (60 months); Tractor 5.24% (72 months); Boat 5.99% (84 months); RV/Camper 5.99% (60 months); Other 6.74% (60 months) (Effective Date: Sunday, October 18th, 2026). Loan terms: Max term for rate: 60, 72 or 84 months depending on vehicle.