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Home > Rates

Rates

Share Savings Account
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Receive Dividend
Regular Shares 0.500% 0.50% Quarterly Quarterly $25

*A.P.Y. = Annual Percentage Yield

Savings Calculator

Premium Savings
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Receive Dividend
Tier 1 ($0 to $499) 0.000% 0.00%      
Tier 2 ($500 to $9,999) 1.240% 1.25%      
Tier 3 ($10,000 to $49,999) 1.490% 1.50% Daily Monthly $500
Tier 4 ($50,000 to $99,999) 1.735% 1.75%      
Tier 5 ($100,000+) 1.980% 2.00%      

*A.P.Y = Annual Percentage Yield..
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
The dividends are variable rates, compounded daily and paid monthly.

Savings Calculator

Checking
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends Paid
$0 to $499 0.000% 0.00% Daily Monthly
$500 to $9,999 0.100% 0.10% Daily Monthly
$10,000 to $49,999 0.200% 0.20% Daily Monthly
$50,000 to $99,999 0.400% 0.40% Daily Monthly
$100,000+ 0.500% 0.50% Daily Monthly
*A.P.Y. = Annual Percentage Yield. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500 is required to earn dividends. Rate may change after the account is opened. Fees may reduce earnings on the account.

Club Accounts
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidPosting Date
2023 Christmas Club * (first $5,000 deposited) 3.000% 3.00% Annually Annually November 1st
2023 Vacation Club * (first $5,000 deposited) 2.000% 2.00% Annually Annually May 1st
Certificate Club 1.240% 1.25% Daily Monthly **
Visa Builder Club 0.500% 0.50% Quarterly Quarterly ***

*A.P.Y. = Annual Percentage Yield, Annual dividend rates on Christmas and Vacation Club accounts are set by the ACU Board of Directors and are published by the end of the quarter preceding the annual posting date.

Stated rate on Christmas Club account applies to only the first $5,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date.

Stated rate on Vacation Club account applies to only the first $5,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date.

Investment Planning Calculator

Standard Share Certificates
Effective Date: Monday, November 28th, 2022
TermDividend RateStandard *A.P.Y.1Jumbo
Dividend Rate + 25bps
Jumbo *A.P.Y.
6 Month 1.880% 1.90% 2.130% 2.15%
9 Month 2.470% 2.50% 2.720% 2.75%
12 Month 2.470% 2.50% 2.720% 2.75%
18 Month 2.860% 2.90% 3.110% 3.15%
24 Month 2.860% 2.90% 3.110% 3.15%
36 Month 3.200% 3.25% 3.445% 3.50%
48 Month 3.200% 3.25% 3.445% 3.50%
60 Month 3.445% 3.50% 3.690% 3.75%

1 Minimum Deposit to Open:

$500 for Standard CD
$35,000 for Jumbo CD

Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield

Savings Calculator

Share Certificates with Rate Bump Option
Effective Date: Monday, November 28th, 2022
TermDividend RateStandard *A.P.Y.Jumbo
Dividend Rate + 25bps
Jumbo *A.P.Y.
36 Month 2.960% 3.00% 3.200% 3.25%
48 Month 2.960% 3.00% 3.200% 3.25%
60 Month 3.200% 3.25% 3.445% 3.50%

Standard Rate: $5,000
Jumbo Rate: $35,000

Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield.
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Savings Calculator

Traditional/Roth IRA
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Receive Dividend
Traditional / Roth IRA 1.735% 1.75% Daily Monthly $5

Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
*A.P.Y. = Annual Percentage Yield. The dividends are variable rates, compounded daily and paid monthly.

Investment Planning Calculator

Traditional/Roth IRA Share Certificates
Effective Date: Monday, November 28th, 2022
TermDividend RateStandard *A.P.Y.Jumbo
Dividend Rate +25 bps
Jumbo *A.P.Y.
12 Month 2.470% 2.50% 2.720% 2.75%
24 Month 2.860% 2.90% 3.110% 3.15%
36 Month 3.200% 3.25% 3.445% 3.50%
48 Month 3.200% 3.25% 3.445% 3.50%
60 Month 3.445% 3.50% 3.690% 3.75%

*A.P.Y = Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation.

Retirement Planning Calculator

Health Savings Accounts
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Receive Dividend
Health Savings Account 1.735% 1.75% Daily Monthly $50
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
*A.P.Y. = Annual Percentage Yield,. The dividends are variable rates, compounded daily and paid monthly.

Loan Rates

Auto Loan Rates
TermNew & Used *APR as low as low as1Est. Monthly Pmt. per $1kMinimum ValueOther Details
New & Used Automobiles
0-36 Months 3.99% $29.52   Vehicles older than 7 years prior to current year receive the "Classic" automobile rate
37-48 Months 3.99% $22.57    
49-60 Months 4.24% $18.53    
61-72 Months 4.49% $15.87 $15,000  
73-84 Months 4.99% $14.13 $40,000  
*A.P.R. = Annual Percentage Rate
1As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment discount, which is also reflected in the advertised rate. Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $1,000.
Classic Automobiles
0-48 Months ** **   "Classic" Automobiles are those greater than 7 model years old. Rates are calculated on the table above plus a 2.00% premium.
Auto Loan Calculators

RV Loan Rates
TermNew & Used *APR as low as low as1Est. Monthly Pmt. per $1kMinimum ValueOther Details

New & Used Boats, RVs, and Campers

0-36 Months 7.24% $30.99   Boat loans are not available in all states. Contact a member representative for details.
37-48 Months 7.24% $24.06   Boat loans are not available in all states. Contact a member representative for details.
49-60 Months 7.24% $19.91 $5,000 Boat loans are not available in all states. Contact a member representative for details.
61-72 Months 8.49% $17.77 $20,000 Boat loans are not available in all states. Contact a member representative for details.
73-120 Months 8.49% $12.39 $20,000 Boat loans are not available in all states. Contact a member representative for details.
121-144 Months 8.74% $11.23 $40,000 Boat loans are not available in all states. Contact a member representative for details.

New & Used Motorcycles / ATVs

0-36 Months 7.24% $30.99    
37-48 Months 7.24% $24.06    
49-60 Months 7.24% $19.91 $5,000  
61-72 Months 8.49% $17.77 $20,000  
Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $1,000.

Auto Loan Calculators

New & Used Farm Equipment
TermNew & Used *APR as low asEst. Monthly Pmt. per $1k
New Farm Equipment
0-36 Months 7.24% $30.99
37-48 Months 7.24% $24.06
49-60 Months 7.24% $19.91
Used Farm Equipment
0-36 Months 8.49% $31.56
37-48 Months 8.49% $24.64
49-60 Months 8.49% $20.51
*A.P.R. = Annual Percentage Rate. Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $1,000.
Auto Loan Calculators

Personal Loan Rates
Term*APR as low asEst. Monthly Pmt. per $1kOther Details
12 Month 11.24% $88.49 Maximum amount of $20,000 or 20% of annual income.
24 Month 11.74% $46.95 Maximum amount of $20,000 or 20% of annual income.
36 Month 12.24% $33.33 Maximum amount of $20,000 or 20% of annual income.
48 Month 12.74% $26.70 Maximum amount of $20,000 or 20% of annual income.

*A.P.R. = Annual Percentage Rate.

Loan Calculators

Share Secured
Effective Date: Monday, November 28th, 2022
TypeTerm*APR as low as1Est. Monthly Pmt. per $1kOther Details
Share Equity 36 Months 7.99% $31.33 Maximum loan amount is 150% above the amount of shares pledged.
Share Equity 48 Months 8.24% $24.53 Maximum loan amount is 150% above the amount of shares pledged.
Share Equity 60 Months 8.24% $20.39 Maximum loan amount is 150% above the amount of shares pledged.

*A.P.R. = Annual Percentage Rate
1 Electronic discount of 0.50% does not apply to share secured, certificate secured, or share equity loans.

Loan Calculators

VISA Credit Card
Effective Date: Monday, November 28th, 2022
Card*APR as low asTerms/Conditions
Visa® Platinum 8.74% Variable rate; Minimum $500 line of credit; No annual fee, no balance transfer fee, no foreign transaction fee;
Cash advance fee is 2% of the advance amount.

*A.P.R. = Annual Percentage Rate    Visa Disclosures

Credit Card Calculators

Home Loans

Mortgage Program Rates
TypeMaximum Term*APR as low asMinimum Loan AmountAdditional AdvancesAdditional Information
Choice Home Equity1,2 15 Years 4.50% $10,0003 $500 minimum No prepayment penalty No closing costs Offered in most states
Easy-Refinance1 15 Years Call for current rates $25k Not Available Cash-out option available

10 &15 Year Term-$1,500 fixed closing costs
First Mortgage ACU offers low-rate first mortgages in most states.
Rates change daily. Call the Credit Union at 800-245-8112 to check current rates.
Payment ExamplesHELOC- Estimated monthly payment on $10,000 loan with a 15 year term at 4.50% APR is $76.51.
Easy Refinance- Estimated monthly payment on a $25,000 loan with a 15 year term at 4.25% APR is $188.
First Mortgage- Estimated monthly payment on a $25,000 loan with a 30 year term at 4.75% APR is $130
 

*A.P.R. = Annual Percentage Rate
1 Rate offered will be based on combination of factors including credit score and loan-to-value ratio. Property Insurance is required.
2 Variable rate is subject to change semi-annually. Max rate is 24.00%
3 Maximum line-of-credit is the lesser of: 90% of the Market Value less 1st Mortgage OR $250,000.

Mortgage Calculators

Business Rates

Business Account Rates
Effective Date: Monday, November 28th, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Avoid Service Fee
Business Shares 0.500% 0.50% Quarterly Quarterly N/A
Business Checking1 0.000% 0.00% N/A N/A $250

1Special fees for Business Checking: All electronic transactions are free. First 50 non-electronic transactions also free. Additional non-electronic transactions assessed a fee of $0.25/item. Strapped cash and rolled coin available for $0.10/strap or roll. A $25/month fee is charged if balance falls below stated minimum above.

*A.P.Y. = Annual Percentage Yield

Business Share Certificate Rates
Effective Date: Monday, November 28th, 2022
TermDividend RateStandard *A.P.Y.1Jumbo
Dividend Rate +25bps
Jumbo *A.P.Y.1
6 Month 1.880% 1.90% 2.130% 2.15%
9 Month 2.470% 2.50% 2.720% 2.75%
12 Month 2.470% 2.50% 2.720% 2.75%
18 Month 2.860% 2.90% 3.110% 3.15%
24 Month 2.860% 2.90% 3.110% 3.15%
36 Month 3.200% 3.25% 3.445% 3.50%
48 Month 3.200% 3.25% 3.445% 3.50%
60 Month 3.445% 3.50% 3.690% 3.75%

Dividends compounded & paid monthly

1 Minimum Deposit to Open:
$2,500 for Standard CD
$35,000 for Jumbo CD

Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. 
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
# indicates term available for Traditional / Roth IRA Certificates. Rate-Bump option not available for IRA CD's.

*A.P.Y. = Annual Percentage Yield

Not all will qualify for the lowest rate.