ACU Rates

Current Rates

Vehicle Loans
Rate
APR*
Term
New Vehicles,Used Vehicles
As low as 2.74%

As low as 3.24%

As low as 3.74%
2.74% APR

3.24% APR

3.74%APR
Up to 60 month

Up to 72 month

Up to 84 month
Refinance Cars, Trucks and Autos
As low as 2.74%

As low as 3.24%

As low as 3.74%
2.74% APR

3.24% APR

3.74%APR
Up to 60 month

Up to 72 month

Up to 84 month
Fifth-Wheel trailer, Motorhome, Motorcycle
As low as 3.74%

As low as 4.24%

As low as 4.74%

As low as 5.24%

As low as 5.74%
3.74% APR

4.24% APR

4.74% APR

5.24% APR

5.74% APR
60-83 months

84-119 months

120-143 months

144-179 months

180 months
Personal Watercraft, Boats, Snowmobile, ATV, Off-road Motorcycle, Camping & Truck Trailers
As low as 7.74%
7.74%
Up to 60 months

*APR = Annual Percentage Rate
Rates and terms are subject to change without notice. Rates based on credit, approval required.
Example: $15,000 at 6% APR for 60 months, monthly payment of $289.99.

Apply for a Loan
Personal Loans
Rate
APR*
Term
Certificate Secured
3% above CD rate
 
Not to exceed term of CD
Shared Secured Loans
5% minimum
 
60 months
Personal Loans
As low as 12.99%
12.99%
Up to 60 months
Overdraft Protection
As low as 15.90%
15.90%
 Revolving

*APR = Annual Percentage Rate
Rates and terms are subject to change without notice. Rates based on credit, approval required.
Example: $15,000 at 6% APR for 60 months, monthly payment of $289.99.

Apply for a Loan

 

Mortgage Loans
APR*
Other Mortgage Loans
APR*
Rates as low as 4.49% (Fixed)
Rates as low as 4.00% APR (Variable)

*APR = Annual Percentage Rate
Annual Percentage Rate variable rate based on prime rate plus an additional rate determined by credit score. Property insurance is required. Finance charges are imposed once the credit line is accessed.
Rates may vary, are subject to credit and approval with a ceiling of 18% APR.

Example: $5,000 at 5% APR for 36 months, monthly payment of $149.99.

Apply for a Loan
Savings and Checking
Minimum Balance to
Open Account
Minimum Balance to
Earn APY
APY*
 
Regular Shares
$5.00
$25.00
0.07%
 
IRA Shares
$25.00
$.01
0.10%
 
Money Market Account
$0.00
$1,000 - $19,999
0.10%
 

$0.00

$20,000 - $49,999

0.13%

 

$0.00
$50,000 - $74,999
0.16%
 

$0.00
greater than $75,000
0.20%
 
Holiday Club
$25.00 
$25.00
0.10%
 
Interest Checking
$0.00**
$500.00
0.10%
 

*APY= Annual Percentage Yield
** $10 fee if balance falls below average daily balance of $500.00— applies only to the interest checking. Free checking available with no minimum balance, but does not earn interest. Rates may change after the account is opened. APY and rates subject to change without notice. All accounts federally insured by the NCUA.

Account earnings could be reduced if fees are added.
Dividend rates and APY are subject to change without notice.

Open An Account

Minimum Deposit and
Balance to Earn APY
APY*
3 - 5 Month Certificate
$100.00
0.30%
6 - 11 Month Certificate
$100.00
0.40%
12 - 17 Month Certificate
$100.00
0.55%
18 - 23 Month Certificate
$100.00
0.65%
24 - 29 Month Certificate
$100.00
0.85%
30 - 35 Month Certificate
$100.00
0.95%
36 - 47 Month Certificate
$100.00
1.10%
48 - 59 Month Certificate
$100.00
1.25%
60 Month Certificate
$100.00
1.40%

*APY = Annual Percentage Yield
The dividend rate and annual percentage yield are subject to change without notice, at any time prior to the issuance of the certificate. After issuance, dividend rates and APY are fixed. Certificate earnings could be reduced if fees are added. Early withdrawal penalties apply

Open An Account

Individual Retirement Accounts (IRAs)
Minimum Deposit and
Balance to Earn APY
APY*
3 - 5 Month IRA Certificate
$100.00
0.30%
6 - 11 Month IRA Certificate
$100.00
0.40%
12 - 17 Month IRA Certificate
$100.00
0.55%
18 - 23 Month IRA Certificate
$100.00
0.65%
24 - 29 Month IRA Certificate
$100.00
0.85%
30 - 35 Month IRA Certificate
$100.00
0.95%
36 - 47 Month IRA Certificate
$100.00
1.10%
48 - 59 Month IRA Certificate
$100.00
1.25%
60 Month IRA Certificate
$100.00
1.40%

 

*APY = Annual Percentage Yield
The dividend rate and annual percentage yield are subject to change without notice, at any time prior to the issuance of the certificate. After issuance, dividend rates and APY are fixed. Certificate earnings could be reduced if fees are added. Early withdrawal penalties apply

Open An Account

Rates Effective 07/01/2016

 
NCUA