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 | 2.24% | $28.75 | Vehicles older than 7 years prior to current year receive the "Classic" automobile rate | |
37-48 Months | 2.49% | $21.91 | ||
49-60 Months | 2.49% | $17.74 | ||
61-72 Months | 2.74% | $15.08 | $15,000 | |
73-84 Months | 3.24% | $13.32 | $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 | COVID-19 Response-Temporary Change in Terms: Temporary Increase in Daily Number of Authorizations from 15 to 25 through June 1, 2020. |
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
Mortgage Program Rates
Type | Maximum Term | *A.P.R. as low as | Minimum Loan Amount | Additional Advances | Additional Information | |
Choice Home Equity1,2 | 15 Years | 3.25% | $10,0004 | $500 minimum | No prepayment penalty No closing costs Offered in most states |
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Easy-Refinance1,3 | 25 Years | Call for current rates | $25k to $484,350 | Not Available | Cash-out option available 10 &15 Year Term-$1,500 fixed closing costs 20 &25 Year Terms- $2,000 closing costs |
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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. |
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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 |
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*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
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 | 0.350% | 0.35% | 0.450% | 0.45% | |
12 Month | 0.350% | 0.35% | 0.45% | 0.45% | |
18 Month | 0450% | 0.45% | 0.550% | 0.55% | |
24 Month | 0.450% | 0.45% | 0.550% | 0.55% | |
36 Month | 0.550% | 0.55% | 0.650% | 0.65% | |
48 Month | 0.650% | 0.65% | 0.750% | 0.75% | |
60 Month | 0.750% | 0.75% | 0.850% | 0.85% | |
Share Certificates with Rate Bump Option | |||||
36 Month | 0.050% | 0.05% | 0.150% | 0.15% | Standard Rate: $5,000 Jumbo Rate: $35,000 |
48 Month | 0.150% | 0.15% | 0.250% | 0.25% | |
60 Month | 0.250% | 0.25% | 0.350% | 0.35% | |
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 March 1,2021 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 | 0.650% | 0.65% | 0.750% | 0.75% | |
36 Month | 0.750% | 0.75% | 0.850% | 0.85% | |
48 Month | 0.850% | 0.85% | 0.950% | 0.95% | |
60 Month | 0.950% | 0.95% | 1.045% | 1.05% | |
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 March 1, 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 March 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 March 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 March 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 March 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 |
2021 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 2021. 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. |
Transportation Loan Rates
Term | New & Used *A.P.R. as low as 1 | Minimum Value |
New & Used Automobiles | ||
0-36 Months | 2.24% | |
37-48 Months | 2.49% | |
49-60 Months | 2.49% | |
61-72 Months | 2.74% | $15,000 |
73-84 Months | 3.24% | $40,000 |
Classic Automobiles | ||
0-48 Months | ** | |
New & Used Boats, RVs, and Campers | ||
0-36 Months | 5.24% | |
37-48 Months | 5.24% | |
49-60 Months | 5.24% | $5,000 |
61-72 Months | 6.49% | $20,000 |
73-120 Months | 6.49% | $20,000 |
121-144 Months | 6.74% | $40,000 |
New & Used Motorcycles / ATVs | ||
0-36 Months | 5.24% | |
37-48 Months | 5.24% | |
49-60 Months | 5.24% | $5,000 |
61-72 Months | 6.49% | $20,000 |
A.P.R. = Annual Percentage Rate Estimated Payment per $1,000 financed with Rate of 2.49% at 60 months = $17.74 |
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Vehicles greater than 7 model years old receive the "classic" automobile 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 | Other Details |
12 Month | 9.49% | Maximum amount of $20,000 or 20% of annual income. |
24 Month | 9.99% | |
36 Month | 10.49% | |
48 Month | 10.99% | |
*A.P.R. = Annual Percentage Rate Estimated payment per $1,000 financed at 9.49% for 12 months = $87.71 |
Share Secured
Type | Term | *A.P.R. as low as 4 |
Share Equity1 | 36 Months | 6.24% |
48 Months | 6.49% | |
60 Months | 6.49% | |
Share Secured2 | 120 Months | 2.55% |
Certificate Secured3 | 120 Months | ** |
Estimated payment per $1,000 at 6.24% for 36 Months = $30.53 | ||
1Maximum loan amount is 150% above the amount of shares pledged. | ||
2*A.P.R. = Annual Percentage Rate, and will be the current rate of the share/money market account offered as security plus 2.00% | ||
3The *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. | ||
4Electronic 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 | COVID-19 Response-Temporary Change in Terms: Temporary Increase in Daily Number of Authorizations from 15 to 25 through June 1, 2020. |
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.
* APR- Annual Percentage Rate
Home Loans
Mortgage Program Rates
Type | Maximum Term | *A.P.R. as low as |
Choice Home Equity1,2 | 15 Years | 3.25% |
Easy-Refinance1,3 | 25 Years | Call for current rates |
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. |
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Estimated Payments: | 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 |
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Choice Home Equity Loam Amounts from $10K to 250K OR 90% of market value less 1st mortgage. Additional Advances $500 minimum. No prepayment penalty, No closing costs, Offered in most states. |
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Easy-Refi Mortgage- Cash-out option available. 10 & 15 Year Terms- $1,500 fixed closing costs. 20 &25 Year Terms- $2,000 fixed closing costs. |
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*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 required. |
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2 Variable rate is subject to change semi-annually. Max rate is 24.00% | ||
3Easy 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. |
Deposit Rates
Standard Share Certificates
Dividend Rate | Standard *A.P.Y. | Jumbo Div Rate | Jumbo *A.P.Y. |
6 Month | |||
0.350% | 0.35% | 0.450% | 0.45% |
9 Month | |||
0.350% | 0.35% | 0.450% | 0.45% |
12 Month | |||
0.350% | 0.35% | 0.450% | 0.45% |
18 Month | |||
0.450% | 0.45% | 0.550% | 0.55% |
24 Month | |||
0.450% | 0.45% | 0.550% | 0.55% |
36 Month | |||
0.550% | 0.55% | 0.650% | 0.65% |
48 Month | |||
0.650% | 0.65% | 0.750% | 0.75% |
60 Month | |||
0.750% | 0.750% | 0.850% | 0.85% |
Share Certificates with Rate Bump Option | |||
36 Month | |||
0.050% | 0.05% | 0.150% | 0.15% |
48 Month | |||
0.150% | 0.15% | 0.250% | 0.25% |
60 Month | |||
0.250% | 0.25% | 0.350% | 0.35% |
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 March 1, 2021. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. |
Traditional and Roth IRA Certificates
Dividend Rate | Standard *A.P.Y. | Jumbo Div Rate | Jumbo *A.P.Y. |
12 Month | |||
0.550% | 0.55% | 0.650% | 0.65% |
24 Month | |||
0.650% | 0.65% | 0.750% | 0.75% |
36 Month | |||
0.750% | 0.75% | 0.850% | 0.85% |
48 Month | |||
0.850% | 0.85% | 0.950% | 0.95% |
60 Month | |||
0.950% | 0.95% | 1.045% | 1.05% |
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 March 1, 2021 |
Shares Savings Account
Account Type | Dividend Rate | *A.P.Y. |
Regular Shares | 0.25% | 0.25% |
Dividends compounded and paid Quarterly. Minimum amount to receive dividend = $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. |
Tier 1 ($0.00 to $499.99) | 0.000% | 0.000% |
Tier 2 ($500.00 to $9,999.99) | 0.30% | 0.30% |
Tier 3 ($10,000.00 to $49,999.99) | 0.35% | 0.35% |
Tier 4 ($50,000.00 to $99,999.99) | 0.45% | 0.45% |
Tier 5 ($100,000.00+) | 0.50% | 0.50% |
Dividends compounded Daily, and paid Monthly. Minimum amount to receive dividend = $500 | ||
*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. *A.P.Y. current as of March 1, 2021. The dividends are variable rates, compounded daily and paid monthly. |
Health Savings Accounts
Account Type | Dividend Rate | *A.P.Y. |
Health Savings Account 2 | 0.50% | 0.50% |
Dividends compounded Daily and paid Monthly. Minimum amount to receive dividend = $50 | ||
*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. |
Traditional/Roth IRA
Account Type | Dividend Rate | *A.P.Y. |
Traditional / Roth IRA 2 | 0.50% | 0.50% |
Dividends compounded Daily and paid Monthly. Minimum amount to receive dividend = $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 Rate, current as of March 1, 2021. The dividends are variable rates, compounded daily and paid monthly. |
Checking
Account Type | Dividend Rate | *A.P.Y. |
Tier 1 ($500-$9,999,99) | 0.100% | 0.100% |
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% |
Dividends compounded Daily and paid Monthly. | ||
*A.P.Y. = Annual Percentage Rate, current as of March 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. |
2021 Christmas Club * (first $3,000 deposited) | 1.500% | 1.500% |
Vacation Club * (first $3,000 deposited) | 1.500% | 1.500% |
CD Builder Club ** | 0.300% | 0.300% |
Visa Builder Club*** | 0.250% | 0.250% |
Christmas Club Dividend Posting Date November 1st | ||
Vacation Club Dividend Posting Date May 1st | ||
*A.P.Y = Annual Percentage Yield Christmas Cash bonus debit card program will continue unchanged in 2021. 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. *Dividends for Christmas and Vacation Club accounts are compounded and paid Annually. 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. ***Dividends compounded and paid quarterly. Balance will be automatically secured, and a VISA One Credit Card issued, when balance equals $500. |
Address
1300 Central Ave
Ashland, KY 41101
Phone
606-329-5489
1-800-245-8112