Loan Rates

Transportation Loan Rates

Term	New & Used *A.P.R. as low as¹	Est. Monthly Pmt. Per $1k	Minimum Value	Other Details
New & Used Automobiles
0-36 Months	1.99%	$28.64		Vehicles older than 7 years prior to current year receive the "Classic" automobile rate
37-48 Months	1.99%	$21.69
49-60 Months	2.24%	$17.63
61-72 Months	2.49%	$14.97	$15,000
73-84 Months	2.99%	$13.21	$40,000
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.
New & Used Boats, RVs, and Campers
0-36 Months	5.24%	$30.08		Boat loans are not available in all states. Contact a member representative for details.
37-48 Months	5.24%	$23.14
49-60 Months	5.24%	$18.98	$5,000
61-72 Months	6.49%	$16.81	$20,000
73-120 Months	6.49%	$11.35	$20,000
121-144 Months	6.74%	$10.15	$40,000
New & Used Motorcycles / ATVs
0-36 Months	5.24%	$30.08
37-48 Months	5.24%	$23.14
49-60 Months	5.24%	$18.98	$5,000
61-72 Months	6.49%	$16.81	$20,000
*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.

Personal Loan Rates

Term	*A.P.R. as low as	Est. Monthly Pmt. Per $1k	Other Details
12 Month	9.49%	$87.68	Maximum amount of $20,000 or 20% of annual income.
24 Month	9.99%	$46.14
36 Month	10.49%	$32.50
48 Month	10.99%	$25.84
*A.P.R. = Annual Percentage Rate

Share Secured

Type	Term	*A.P.R. as low as¹	Est. Monthly Pmt. Per $1k	Other Details
Share Equity	36 Months	6.24%	$30.53	Maximum loan amount is 150% above the amount of shares pledged.
	48 Months	6.49%	$23.71
	60 Months	6.49%	$19.56
Share Secured	120 Months	2.55%	$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 2.00%. 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.
*A.P.R. = Annual Percentage Rate ¹ Electronic discount of 0.50% does not apply to share secured, certificate secured, or share equity loans.

VISA® Credit Card

Card	*A.P.R. as low as	Terms/Conditions
Visa® Platinum	7.99%	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

Note: As Low As rate may include a 0.50% 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 0.50%. Discount is not available on all loan types. Est. Pmt. Per $1k indicates the estimated monthly payment per $1,000 financed at the lowest stated rate over the maximum term listed for that row. Not all applicants will qualify for the lowest rates. Rates current as of March 1, 2021.

Home Loans

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Mortgage Program Rates

Type	Maximum Term	*A.P.R. as low as	Minimum Loan Amount	Additional Advances	Additional Information
Choice Home Equity^1,2	15 Years	3.25%	$10,000⁴	$500 minimum	No prepayment penalty No closing costs Offered in most states
Easy-Refinance^1,3	15 Years	Call for current rates	$25k to $484,350	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 Examples	HELOC- 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 Easy refinance not eligible for 0.50% discount for electronic payment. However, rate bonus of -0.50% will be applied to members with active ACU checking. ⁴ Maximum line-of-credit is the lesser of: 90% of the Market Value less 1st Mortgage OR $250,000.

Deposit Rates

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Standard Share Certificates

Term	Dividend Rate	Standard *A.P.Y.	Jumbo Div Rate	Jumbo *A.P.Y.	Min Deposit to Open
6 Month	0.350%	0.35%	0.450%	0.45%	$500 for Standard CD $35,000 for Jumbo CD
9 Month	0.400%	0.40%	0.500%	0.50%
12 Month	0.450%	0.45%	0.55%	0.55%
18 Month	0.600%	0.60%	0.700%	0.70%
24 Month	0.700%	0.70%	0.800%	0.80%
36 Month	1.045%	1.05%	1.145%	1.15%
48 Month	1.190%	1.20%	1.290%	1.30%
60 Month	1.390%	1.40%	1.490%	1.50%
Share Certificates with Rate Bump Option
36 Month	1.045%	1.05%	1.145%	1.15%	Standard Rate: $5,000 Jumbo Rate: $35,000
48 Month	1.190%	1.20%	1.290%	1.30%
60 Month	1.390%	1.40%	1.490%	1.50%
Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield and is current as of December 17, 2021 Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Traditional and Roth IRA Certificates

Term	Dividend Rate	Standard *A.P.Y.	Jumbo Div Rate	Jumbo *A.P.Y.	Min Deposit to Open
12 Month	0.550%	0.55%	0.650%	0.65%	Standard: $1,000 Jumbo: $35,000
24 Month	0.800%	0.80%	0.900%	0.90%
36 Month	1.145%	1.15%	1.240%	1.25%
48 Month	1.290%	1.30%	1.390%	1.40%
60 Month	1.490%	1.50%	1.590%	1.60%
IRA Share Certificate Notes: Minimum balance of $1,000 to open an IRA Share Certificate. Minimum balance of $35,000 is required to earn the Jumbo APY. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield and is current as of December 17, 2021

Share Savings Account

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid	Minimum Amt to Recv Dividend
Regular Shares	0.25%	0.25%	Quarterly	Quarterly	$25.00
*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. Quarterly dividend rates on regular shares are set by the ACU Board of Directors and are published at the end of the quarter.

Premium Savings

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid	Minimum Amt to Recv Dividend
Tier 1 ($0.00 to $499.99)	0.000%	0.000%	Daily	Monthly	$500.00
Tier 2 ($500.00 to $9,999.99)	0.300%	0.30%
Tier 3 ($10,000.00 to $49,999.99)	0.350%	0.35%
Tier 4 ($50,000.00 to $99,999.99)	0.450%	0.45%
Tier 5 ($100,000.00+)	0.500%	0.50%
*A.P.Y = Annual Percentage Yield. Rate current as of October 1, 2021. 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.

Health Savings Accounts

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid	Minimum Amt to Recv Dividend
Health Savings Account	0.50%	0.50%	Daily	Monthly	$50.00
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, current as of October 1, 2021. The dividends are variable rates, compounded daily and paid monthly.

Traditional/Roth IRA

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid	Minimum Amt to Recv Dividend
Traditional / Roth IRA	0.50%	0.50%	Daily	Monthly	$5.00
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, current as of October 1, 2021. The dividends are variable rates, compounded daily and paid monthly.

Checking

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid
Tier 1 ($500-$9,999,99)	0.100%	0.100%	Daily	Monthly
Tier 2 ($10,000 - $49,999.99)	0.100%	0.100%
Tier 3 ($50,000 - $99,999.99)	0.250%	0.250%
Tier 4 ($100,000+)	0.350%	0.350%
*A.P.Y. = Annual Percentage Yield, current as of October 1, 2021. 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

Account Type	Dividend Rate	*A.P.Y.	Dividends Compounded	Dividends Paid	Posting Date
2022 Christmas Club * (first $3,000 deposited)	1.500%	1.500%	Annually	Annually	November 1st
Vacation Club * (first $3,000 deposited)	1.500%	1.500%	Annually	Annually	May 1st
CD Builder Club	0.300%	0.300%	Daily	Monthly	**
Visa Builder Club	0.250%	0.250%	Quarterly	Quarterly	***
Christmas Cash bonus debit card program will continue unchanged in 2022. Rate may change after opening any of the above accounts. Fees may reduce earnings on the account. No minimum balance is required to open club or builder accounts or to earn stated dividend. 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 and Vacation Club account applies to only the first $3,000 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. * Balance will be automatically invested into a certificate when balance exceeds $500. *** Balance will be automatically secured, and a VISA One Credit Card issued, when balance equals $500.