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Rates & Calculators

Loan Rates

QUICK LINKS: Credit Card | Vehicle | Personal | Recreation Vehicles

We keep our rates posted online for your convenience in making financial decisions. Realize rates are subject to change so please contact the credit union with questions. The following rates are stated as annual percentage rate (APR) and applied as simple interest on the unpaid balance.

All Rates Are Subject To Change Without Notice.   All Rates Effective February 17, 2017.

CREDIT CARD
MasterCard Regular
MasterCard Gold
Annual Percentage Rate
12.9% APR*
9.9% APR*
Other APRs*
12.9% Cash Advance
12.9% Balance Transfer
9.9% Cash Advance
9.9% Balance Transfer
Grace period for repayment of the balance for purchases
25 days from
billing date
25 days from
billing date
Method of computing the balance for purchase
Average daily balance, including purchases
Average daily balance, including purchases
Annual Fees
None
None
Minimum Finance Charge
$.50
$.50
Transaction Fee for Purchases
None
None

Transaction fee for cash advances:

$2.00
$2.00
Over-the-credit-limit fee:
None
None
Late payment fee:
$20.00
$20.00
Return check fee:
$22.00
$22.00

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ACU Rewards
To qualify for the ACU Rewards annual percentage rate (APR) for a new or used vehicle, you may qualify for certain rewards when you use the following Credit Union services and products: ACU checking with direct deposit, Payroll deduction, ACH payment, ACU MasterCard, financing the trade value or 10% down.

*Motorcycles are now classified with Vehicle rates and not RV rates.
NEW TITLED & UNTITLED VEHICLES:
2014-Newer Model Year
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
2.24%
2.94%
3 Yrs
2.24%
2.94%
4 Yrs
2.49%
3.19%
5 Yrs
2.74%
3.44%
6 Yrs
2.99%
3.69%
7 Yrs***
3.99%
4.69%

***This rate is only available to new, untitled vehicles over $35,000. 

VEHICLES:
2013-2012
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
2.24%
2.94%
3 Yrs
2.24%
2.94%
4 Yrs
2.49%
3.19%
5 Yrs
2.74%
3.44%
6 Yrs
2.99%
3.69%

VEHICLES:
2011-2010
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
2.99%
3.69%
3 Yrs
2.99%
3.69%
4 Yrs
3.24%
3.94%
5 Yrs
3.99%
4.69%


VEHICLES:
2009-2006
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
3.49%
4.19%
3 Yrs
3.49%
4.19%
4 Yrs
3.99%
4.69%
5 Yrs
4.49%
5.19%


VEHICLES:
2005-Older
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
4.99%
5.69%
3 Yrs
4.99%
5.69%

The following loan rates are stated as an annual percent rate (APR) and applied as simple interest on the unpaid balance.

Personal or Student Loans*
Loan Type
Maximum Term
APR* "As Low As"
ACU Student Loan - Variable Rate
Call for more information
Call for more information
Graduate Auto Loan - Call for details
up to 5 Yrs
3.99%

Special RV Rates are run from time to time. Please Call for Details.

RV'S:
2014-Newer Model Year
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
3.24%
3.94%
4 Yrs
3.49%
4.19%
5 Yrs
3.70%
4.40%
6 Yrs
3.99%
4.69%
7 Yrs
4.99%
5.69%
8-10 Yrs
6.99%
7.69%


RV'S:
2013-2012 Model Year
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
3.24%
3.94%
4 Yrs
3.49%
4.19%
5 Yrs
3.74%
4.44%


RV'S:
2011-2010 Model Year
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
4.49%
5.19%
4 Yrs
4.74%
5.44%
5 Yrs
5.49%
6.19%


RV'S:
2009-2006
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 & 4 Yrs
4.99%
5.69%
5 Yrs
5.49%
6.19%

 

Savings Rates

QUICK LINKS: Shares | Checking | Christmas Club | Vacation Club | IRA's | CD's | Special CD's
Money Market| Health Savings Accounts
 
ACCOUNTS
Account Description
Rate
APY*
Minimum to Open
Minimum to Earn
Effective
Share Savings
Up To $10,000.00
0.20%
0.20%
$5.00
$25.00
March 31, 2017
Share Savings
$10,000.00 & Above
0.25%
0.25%
$5.00
$10,000.00
March 31, 2017
"e" Savings (youth)
Up To $10,000.00
0.30%
0.30%
$5.00
$25.00
March 31, 2017
"e" Savings (youth)
$10,000.00 & Above
0.35%
0.35%
$5.00
$10,000.00
March 31, 2017
Share Draft
(Checking)
0.10%
0.10%
$25.00
$750.00
Average Daily Balance
April 30, 2017
**Christmas Club
0.25%
0.25%
$5.00
$5.00
October 1, 2016

IRA SHARES
Rate
APY*
Minimum to Open
Minimum to Earn
Effective
0.0%
0.0%
$1.00
$1.00
March 31, 2017
0.20% 0.20% $1.00 $500.00 March 31, 2017
0.35% 0.35% $1.00 $2500.00 March 31, 2017

CD's - IRA & REGULAR

Effective April 7, 2017
Term
Rate
APY*
Payment
Minimum Deposit
3 Month
.25%
.25%
Monthly
$1,000
6 Month
.40%
.40%
Monthly
$1,000
9 Month
.45%
.45%
Monthly
$1,000
1 Year
.60%
.60%
Quarterly
$1,000
2 Year
.90%
.90%
Quarterly
**$1,000
3 Year
1.15%
1.15%
Quarterly
**$1,000
4 Year
1.39%
1.40%
Quarterly
**$1,000
5 Year
1.75%
1.76%
Quarterly
**$1,000

SPECIAL CD RATES

Effective April 7, 2017
Term
Rate
APY*
Payment
Minimum Deposit
33 month
1.64%
1.65%
Quarterly
$5,000

MONEY MARKET

Effective May1, 2017
DIVIDEND RATE
APY*
Payment
Minimum Deposit
0.20%
0.20%
Monthly
Below $5,000
0.25%
0.25%
Monthly
$5,000-$9,999.99
0.30%
0.30%
Monthly
$10,000-$24,999.99
0.45%
0.45%
Monthly
$25,000-$74,999.99
0.55% 0.55% Monthly $75,000+

HEALTH SAVINGS ACCOUNTS

Effective May1, 2017
Description
Rate
APY*
$25 to $1,499.99
0.15%
0.15%
$1,500 to $4,999.99
0.15%
0.15%
$5,000 to $9,999.99
0.15%
0.15%
$10,000 and higher
0.15%
0.15%

 
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