Loan Rates

Note: As Low As rate may include a 1/4% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 1/4%. Discount is not available on all loan types.
Transportation Loan Rates       Rates current as of Jun 22, 2016
Term New & Used
*A.P.R.
as low as1
Est. Pmt.
Per $1k2
Min. Amt
Financed
Other Details
New & Used Automobiles
0-36 Months 1.49% $28.42   Vehicles older than model year 2009 receive the "Classic" automobile rate.
37-48 Months 1.74% $21.91
49-60 Months 1.74% $17.41
61-72 Months 1.99% $14.75 $20,000
Classic Automobiles
0-48 Months ** **   "Classic" Automobiles are those older than model year 2009. Rates are calculated on the table above plus a 2.00% premium.
New & Used Boats, RVs, and Campers
0-36 Months 3.99% $29.52   Boat loans are not available in all states. Contact a member representative for details.
37-48 Months 3.99% $22.57
49-60 Months 3.99% $18.41 $5,000
61-72 Months 5.24% $16.22 $20,000
73-120 Months 5.24% $10.72 $20,000
121-144 Months 5.49% $9.50 $40,000
New & Used Motorcycles / ATVs
0-36 Months 3.99% $29.52    
37-48 Months 3.99% $22.57
49-60 Months 3.99% $18.41 $5,000
61-72 Months 5.24% $16.22 $20,000
1As Low As rate includes a 1/4% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 1/4% electronic payment discount, which is also reflected in the advertised rate.
2 Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed.
3 Not all applicants will qualify for the lowest rate.

Personal Loan Rates       Rates current as of Jun 22, 2016
Term *A.P.R.
as low as1
Est. Pmt.
Per $1k2
Other Details
36 Month Signature 9.00% $31.80 Maximum amount $10,000
48 Month Signature 9.50% $25.12
12 Month Four Seasons 3.74% $86.99 Maximum amount $2,000
1As Low As rate reflects a 1/4% discount granted for electronic payment.
2 Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed.
3 Not all applicants will qualify for the lowest rate.

Real-Estate       Rates current as of Jun 22, 2016
Type Maximum
Term
*A.P.R.
as low as
Est. Pmt.
Per $1k1
Loan
Amount
Additional
Advances
Additional Information
Choice Home Equity
Variable-Rate2,3
15 Years 3.25% $7.03 $10K to $200K $500 minimum  1) No prepayment penalty
 2) No closing costs
 3) Offered in:
     AR,FL,GA,IL,IN,KY,MI,MN,MO,
     NC,NJ,OH,PA,TN,VA,WA,WV,WY
Choice Home Equity
Fixed-rate, first position2
10 Years 4.25% $10.24 $10K to $200KNot Available
Choice Home Equity
Fixed-rate, second position2
10 Years 5.00% $10.61 $10K to $200KNot Available
First Mortgage  ACU offers low-rate first mortgages in all 50 states.
 Rates change daily. Call the Credit Union at 800-245-8112 to check current rates.
1 Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed.
2 Rate offered will be based on combination of factors including credit score and loan-to-value ratio.
3 Variable rate is subject to change semi-annually.
4 Not all applicants will qualify for the lowest rate.

Share Secured       Rates current as of Jun 22, 2016
Type Term *A.P.R.
as low as
Est. Pmt.
Per $1k1
Other Details
Share Equity 36 Months 5.74% $30.30 Maximum loan amount is 150% above the amount of shares pledged.
48 Months 5.99% $23.48
60 Months 5.99% $19.33
Share Secured 120 Months 2.30% $9.34 *A.P.R. will be the current rate of the share/money market account offered as security plus 2.00%
Certificate Secured 120 Months **   ** The *A.P.R. will be the dividend rate being paid on the Certificate offered as security (Index) plus 2%. Failure to renew will result in default under the Plan. When the Certificate is renewed, the *A.P.R. will change to reflect the new dividend rate. Any increase in the *A.P.R. will result in higher payments. The *A.P.R. and daily periodic rate will be disclosed on the voucher at the time of the advance.
1 Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed.
2 Not all applicants will qualify for the lowest rate.

Visa Credit Card       Rate good thru Jan 31, 2017
Card *A.P.R.
as low as
Terms/Conditions
Visa Platinum 8.24% Variable rate; Minimum $500 line of credit
 
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*A.P.R. refers to Annual Percentage Rate