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Rates

Deposit Products

Shares | Share Drafts (Checking) | Money Market | Term Share Certificates & IRA Certificates | Relationship Bonuses

Loans

Vehicle Loans | Recreational Vehicles and Toys, Motorcycles | Motor Homes and Boats 

Deposit Rates

Share Rates
 Deposit RangeRateAPY*

Share (Savings)*

$5.00 to $500.00

No interest

No interest

 

$500.01 to $7,500.00

0.10%

0.10%

 

$7,500.01 to $50,000.00

0.20%

0.20%

 

$50,000.01 to $100,000.00

0.30%

0.30%

 

$100,000.01 and over

0.40%

0.40%

Share Club*

$5 and over

0.20%

0.20%

IRA Share

$5 and over

.35%

.35%

*$5.00 minimum to open or obtain dividend

Share Draft (Checking)
 Deposit Range:RateAPY*

 Premier Checking

$2,500.01 to $25,000.00 0.01%  0.01% 
   $25,000.01 Plus  0.05%  0.05%
Super Yield Checking $500.00 to $25,000.00 1.50% 1.51%
  $25,000.01 Plus 0.50% 0.50%

$20.00 minimum to open, first order of checks free and free checks for any member 50 years and older.
As an added benefit, foreign ATM fees waived up to $30.00 per month.

Money Market Account
 RangeRateAPY*

Money Market

$0 to $1,000.00

No interest

No interest

 

$1,000.01 to $15,000.00

0.20%

0.20%

 

$15,000.01 to $50,000.00

0.30%

0.30%

 

$50,000.01 to $75,000.00

0.40%

0.40%

 

$75,000.01 to $100,000.00

050%

0.50%

 

$100,000.01 and over

0.60%

0.60%

The variable rate is subject to change monthly. Minimum to open is $1,000.00. Limit of 3 withdrawals per month. No dividend is paid if balance falls below $1,000.00. *APY = Annual Percentage Yield. Interest will compound in the account, or it can be paid to another account. We reserve the right to correct any typographical errors in published rates. 

Term Share Certificates and IRA Certificates
 TermMinimum Deposit Rate APY* 

6 Month Certificate 

 min $1,000

 0.10%

0.10% 

 12 Month Certificate

 min $1,000

 0.55%

0.55% 

 24 Month Certificate

 min $1,000

1.10% 

1.11% 

 36 Month Certificate

 min $1,000

 1.65%

1.66%

 48 Month Certificate

 min $1,000

 1.95%

1.97%

 60 Month Certificate

 min $1,000

 2.25%

2.27%

 72 Month Certificate Super Saver

 min $1,000

2.50% 

2.53% 

Paid monthly. Future rates subject to change weekly)

RELATIONSHIP BONUSES - Available on all Share Certificates 12 months and over. For each additional service, add the corresponding Relationship Bonus

Relationship Bonuses
 RateAPY*

Direct Deposit - Social Security or Net Payroll Check (active checking account required) 

0.10% 

0.10% 

myACFCU Online with eStatements (active checking account required) 

 0.10%

0.10% 

 Bill Pay

 0.10%

 0.10%

Auto or Consumer Loan
(one bonus per loan)

0.10% 

 0.10%

VISA Credit Card

 0.10%

 0.10%

Jumbo Certificate with balance over $100,000

  0.10%

  0.10%

Maximum in Relationship Bonuses per Certificate

 0.50%

0.50% 

Term Share Certificate will revert to the prevailing rate at maturity. APY=Annual Percentage Yield. Interest will compound to the certificate or will pay to another account. We reserve the right to correct any typographical errors in published rates.

Loans

New and Used Vehicle Loans
 TermAPR 
New Vehicles
(100% Retail NADA plus tax, lic. & ins.)

 

 

Up to $19,999.99

Up to 36 months 

As Low as 2.40%* 

Up to $19,999.99

Up to 48 months

As Low as 3.00%*

$20,000.00 to $34,999.99 

Up to 60 months

As Low as 3.45%*

$35,000.00 and More 

Up to 72 months

As Low as 3.95%*

Used Vehicles up to 5 Model Years Old 
(100% Retail NADA plus tax, lic. & ins.)

Term

APR

Up to $19,999.99 Up to 36 months

As Low as 3.40%* 

Up to $19,999.99

Up to 48 months 

As Low as 4.00%* 

$20,000.00 to $34,999.99

Up to 60 months

As Low as 4.45%* 

$35,000.00 and More

Up to 72 months 

As Low as 4.95%* 

Used Vehicles (6 Model Years or Older)

Term

APR

Up to $19,999.99

Up to 36 months 

As Low as 5.95%* 

Up to $19,999.99

Up to 48 months 

As Low as 6.95%* 

$20,000.00 and More

Up to 60 months 

As Low as 7.95%* 

myMoneyTrack Consolidation
(up to 150% retail NADA)

Up to 60 months 

As Low as 8.00% 

New and Used Motorcycle
(up to 5 years old)

Up to 60 months 

As Low As 5.00% 

Used Touring/Cruiser Motorcycle
(6 years or older)

 Up to 36 months

As Low as 7.00%* 

Recreational Vehicles and Toys
  TermAPR 

New Toys *

Up to 48 months 

As low as 7.95%* 

 Used Toys *

Up to 36 months 

As low as 10.95%* 

 *M/C < 800cc, Jet Ski, Tent Trlrs, Campers, Quad Runners, etc. 660 Minimum Credit Score Required

New and Used Motor Homes, Boats and Self-Contained Trailers
  Term APR

New and Used Motor Homes, Boats and Self-Contained Trailers*

 Up to 84 months

 As low as 4.25%*

 

 Up to 120 months

 As low as 4.75%*

 

Up to 144 months 

 As low as 5.25%*

 

 Up to 180 months

As low as 5.75%* 

 

 Up to 240 months

 As low as 7.25%*

RVs
(up to 5 model years old)

Up to 144 months

 As low as 10.50%*

 *(100% Retail NADA, plus tax, lic., & ins.)

All Loans Above are subject to Risk-Based Pricing. Actual Interest Rate is based on individual Credit Score
 Consumer Loan Score Range Risk Rate

Platinum

720+

0*

Gold

 680-719

+1

Silver 

 660-679

+4

Bronze 

 620-659

+10

Chrome 

 550-619

+12

Call Us at 423-230-2600 for our current Mortgage Loan Rates!
Mortgage Request Form

 

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