The Appalachian Community Federal Credit Union is a auto loan from Appalachian Community Federal Credit Union. The ongoing APR is New Recreational Vehicles and New Boats: As low as 7.00%; Used (7 years old or newer): As low as 7.25%; Used (8-15 years old): As low as 7.75%; New Toy: As low as 7.25% (Rates effective as of 10/18/2026). Loan terms: 6 - 180 months (6 - 144 months for used 8-15 years old; Toys 6 - 84 months).