Rates
 

Savings Rates
 

Account Type

Annual Percentage Yield (APY)

Share Account

0.10% APY (Interest paid monthly)

Holiday Club

0.10% APY (Interest paid monthly)

Vacation Club

0.10% APY (Interest paid monthly)

Share Draft Account

0.00% APY

 

 

Loan Rates
 

Loan Type

Rates based on FICO score

Additional Requirements

Score

Rate

Personal Loan

700 or more

6.50% APR*

1 Current Pay Stub, Application

Personal Loan

650-699

7.50% APR*

1 Current Pay Stub, Application

Personal Loan

600-649

9.50% APR*

1 Current Pay Stub, Application

Personal Loan

Less than 600

10.50% APR*

1 Current Pay Stub, Application

 

Loan Type

Rates based on FICO score

Additional Requirements

Score

Rate

New Auto Loan
10% down or 95% of NADA value
Maximum loan = $50,000

700 or more

1.90% APR*

Application, Purchase Order
Insurance Binder with ACU listed as "First Lien Holder"
$22.52 Single Interest Fee
GAP Insurance - $250.00 (optional)

650-699

2.90% APR*

600-649

4.90% APR*

Less than 600

5.90% APR*

 

Loan Type

Rates based on FICO score

Additional Requirements

Score

Rate

Used Cars Loan
5% down or 90% of NADA value
Maximum loan = $50,000

700 or more

2.25% APR*

Application, Purchase Order
Insurance Binder with ACU listed as "First Lien Holder"
$22.52 Single Interest Fee
GAP Insurance - $250.00 (optional)

650-699

3.25% APR*

600-649

5.25% APR*

Less than 600

6.00% APR*

 

Loan Type

Rates (as low as)

Additional Requirements

Share Secured

up to 95% of balance

3.00% APR*

1 Current Pay Stub, Application

 

Loan Type

Rates (as low as)

Additional Requirements

Home Equity Line of Credit
Term of 20 years
10 year draw, 10 year payback
$100,000 Maximum

4.25% APR*
Maximum borrowed amount
based upon available equity
No closing costs **

1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with the Legal Description "Exhibit A", Tax Bill

Fixed Equity
Term of 15 years
$100,000 Maximum

4.25% APR*
Maximum borrowed amount
based upon available equity
No closing costs **

1 Current Pay Stub, Application
Copy of Mortgage/Deed, along with the Legal Description "Exhibit A", Tax Bill

 

Credit Life and/or Disability Insurance is available for a nominal fee on any loan.

* APR = Annual Percentage Rate - Rates subject to change without notice.

Good credit history required. Any loan may require a cosigner.
**Unless loan is paid in full in less than 36 months

All loan rates are subject to change and are as low as. Actual rate may be higher based on your credit history.