Rates

Table data for Auto Loans
 May 1, 2018
APR as low as1 Maximum Terms Alert Me
New or Used Autos (2012-2018) 3.99% 48 months
New or Used Autos (2012-2018) 4.24% 60 months
New or Used Autos (2012-2018) 4.59% 72 months
New or Used Autos (2012-2018) 5.09% 84 months
Used Autos (2011 & older) 4.99% 48 months
Used Autos (2011 & older) 5.99% 60 months
Used Autos (2011 & older, $20,000 minimum) 6.49% 72 months
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher.
  • 1APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to AACFCU.

Table data for Recreational Vehicles - New or Used
 May 1, 2018
APR as low as1 Maximum Terms Alert Me
$10,000 or less 5.79% 72 months
$10,001 to $20,000 5.99% 120 months
$20,001 to $35,000 6.49% 144 months
$35,001 and over 6.74% 180 months
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher.
  • 1APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to AACFCU.

Table data for Boats - New or Used
 May 1, 2018
APR as low as1 Maximum Terms Alert Me
$10,000 or less 5.79% 72 months
$10,001 to $20,000 5.99% 120 months
$20,001 to $35,000 6.49% 144 months
$35,001 and over 6.74% 180 months
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher.
  • 1APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to AACFCU.

Table data for Motorcycles / Personal Watercraft / ATVs - New & Used
 May 1, 2018
APR as low as1 Maximum Terms Alert Me
$15,000 or less 5.99% 60 months
$15,001 and over 6.55% 72 months
Other Secured Collateral 8.05% 60 months
Other Secured Collateral 8.45% 48 months
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher.
  • 1APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to AACFCU.

Table data for Personal Loans
 
APR as low as1 Terms Alert Me
Share Secured 2.00% above share rate 60 months
Certificate Secured 2.00% above share rate certificate term
Open-end Line of Credit and Unsecured Loans 8.99%2 up to 60 months
  • 1APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to AACFCU.
  • 2DPR=0.021890% (LOC only). DPR refers to DAILY PERIODIC RATE

Table data for Credit Card Rates
 
APR as low as1 Terms Alert Me
CU Rewards Platinum MasterCard 9.99 % Revolving
Platinum MasterCard 7.99 % Revolving
  • 1APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to AACFCU.

Mortgage Rates

  •  
Fixed Rate Loans
Rate
APR
Points
30 Year Fixed Rate 4.750% 4.903% 0.000%
15 Year Fixed Rate 3.750% 4.007% 0.000%
10 Year Balloon 3.500% 3.702% 0.000%
VA Loans
Rate
APR
Points
Federal VA 30 Year Fixed Rate 4.625% 5.056% 0.000%
Home Equity Loans
Rate
APR
Points
15 Year Fixed Second 4.750% 4.904% 0.000%
Home Equity Line of Credit 4.750% 4.750% 0.000%

MORTGAGE RATE INFORMATION: APR=annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Advertised rates may change at any time. Rates for home equity lines of credit are variable and are tied to the market rate. Loans may not be available in all areas. Our maximum rate as of 12/1/2016 for home equity loans is 18% APR. Property insurance may be required. Other restrictions may apply. Contact us for full details.

LATE CHARGES: If your payment is more than 7 days late, we may collect a late payment charge from you of 20% of the Finance Charge due with a minimum of $5.00. Late charges apply to Consumer Loans only and are different for real estate secured loans.

CANCELING OR CHANGING THIS PLAN: The Credit Union has the right to change the terms of this plan from time to time after giving you any advance notice required by law. Any change will apply to future advances. At the discretion of the Credit Union and subject to any requirements of the applicable law, the change in terms will also apply to unpaid balances. An increase in the daily periodic rate under a variable or adjustable interest rate is not considered a change in terms under this plan.

Restrictions may apply. Contact us for full details.

Table data for Term Certificate Rates and Annual Percentage Yields
 
Dividend Rates Annual Percentage Yield (APY) Minimum Deposit Alert Me
3 Month 0.70% 0.70% APY $1,000.00
6 Month 1.40% 1.41% APY $1,000.00
9 Month1 1.40% 1.41% APY $1,000.00
12 Month 1.80% 1.81% APY $500.00
18 Month 1.90% 1.91% APY $1,000.00
24 Month 2.00% 2.02% APY $1,000.00
36 Month 2.50% 2.52% APY $1,000.00
48 Month 2.60% 2.63% APY $1,000.00
60 Month 3.00% 3.03% APY $1,000.00
3 Month Jumbo 0.75% 0.75% APY $100,000.00
6 Month Jumbo 1.45% 1.46% APY $100,000.00
9 Month Jumbo1 1.45% 1.46% APY $100,000.00
12 Month Jumbo 1.85% 1.86% APY $100,000.00
18 Month Jumbo 1.95% 1.96% APY $100,000.00
24 Month Jumbo 2.05% 2.07% APY $100,000.00
36 Month Jumbo 2.55% 2.57% APY $100,000.00
48 Month Jumbo 2.65% 2.68% APY $100,000.00
60 Month Jumbo 3.00% 3.03% APY $100,000.00
  • 1One penalty-free withdrawal per certificate, not available on IRAs.

Table data for Share Account Rates and Annual Percentage Yields
 
Declared Monthly Rates ending 5/31/20181 Dividend Rates Annual Percentage Yield (APY) Minimum Deposit Alert Me
Money Market Access 0.10% 0.10% $5.00 - $1499.00
Money Market Access 0.30% 0.30% $1500.00
Declared Quarterly Rates ending 3/31/20182 Alert Me
Share Account 0.10% 0.10% $5.00
Christmas Club 0.15% 0.15% $5.00
IRA Accumulation 0.15% 0.15% $5.00
  • 1Rates are declared monthly and may change after the account is opened.
  • 2Rates are declared quarterly and may change after the account is opened.

Table data for IRA Term Certificate Rates and Annual Percentage Yields
 
Dividend Rates Annual Percentage Yield (APY) Minimum Deposit Alert Me
12 Month IRA 1.80 % 1.81 % $1,000.00
18 Month IRA 1.90 % 1.91 % $1,000.00
24 Month IRA 2.00% 2.02 % $1,000.00
36 Month IRA 2.50 % 2.52 % $1,000.00
48 Month IRA 2.60 % 2.63 % $1,000.00
60 Month IRA 3.00 % 3.03 % $1,000.00
12 Month IRA Jumbo 1.85 % 1.86 % $100,000.00
18 Month IRA Jumbo 1.95% 1.96 % $100,000.00
24 Month IRA Jumbo 2.05 % 2.07 % $100,000.00
36 Month IRA Jumbo 2.55 % 2.57 % $100,000.00
48 Month IRA Jumbo 2.65 % 2.68 % $100,000.00
60 Month IRA Jumbo 3.00 % 3.03 % $100,000.00

Rates Accurate as of: June 18, 2018

Rates are subject to change at any time without notice. For the most up-to-date rates, please call Member Services at 800-448-4096.

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union board of directors.

There are penalties for early withdrawal and there are minimum balance and opening deposits requirements. Fees could reduce the earnings on the account.

See Terms and Conditions for full account disclosures.