Loan Rates

Transportation Loan Rates
TermNew & Used
*A.P.R. as low
as1
Est. Monthly Pmt. Per $1kMinimum ValueOther Details
New & Used Automobiles
0-36 Months1.99%$28.64 Vehicles older than 7 years prior to current year receive the "Classic" automobile rate
37-48 Months2.24%$21.80
49-60 Months2.24%$17.63
61-72 Months2.49%$14.97$15,000
73-84 Months2.99%$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 Months5.24%$30.08Boat loans are not available in all states. Contact a member representative for details.
37-48 Months5.24%$23.14
49-60 Months5.24%$18.98$5,000
61-72 Months6.49%$16.81$20,000
73-120 Months6.49%$11.35$20,000
121-144 Months6.74%$10.15$40,000
New & Used Motorcycles / ATVs
0-36 Months5.24%$30.08
37-48 Months5.24%$23.14
49-60 Months5.24%$18.98$5,000
61-72 Months6.49%$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 $1kOther Details
12 Month9.49%$87.68Maximum amount of $20,000 or 20% of annual income.
24 Month9.99%$46.14
36 Month10.49%$32.50
48 Month10.99%$25.84
*A.P.R. = Annual Percentage Rate
Share Secured
TypeTerm*A.P.R. as low as1Est. Monthly Pmt. Per $1kOther Details
Share Equity36 Months6.24%$30.53Maximum loan amount is 150% above the amount of shares pledged.
48 Months6.49%$23.71
60 Months6.49%$19.56
Share Secured120 Months2.55%$9.34*A.P.R. will be the current rate of the share/money market account offered as security plus 2.00%
Certificate Secured120 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 asTerms/Conditions
Visa® Platinum7.99%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

Mortgage Program Rates
TypeMaximum Term*A.P.R. as low asMinimum Loan AmountAdditional AdvancesAdditional Information
Choice Home Equity1,215 Years3.25%$10,0004$500 minimumNo prepayment penalty
No closing costs
Offered in most states
Easy-Refinance1,325 YearsCall for current rates$25k to $484,350Not AvailableCash-out option available

10 &15 Year Term-$1,500 fixed closing costs
20 &25 Year Terms- $2,000 closing costs
First MortgageACU 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 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
TermDividend RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.Min Deposit to Open
6 Month0.350%0.35%0.450%0.45%$500 for Standard CD
$35,000 for Jumbo CD
9 Month0.400%0.40%0.500%0.50%
12 Month 0.450%0.45%0.55%0.55%
18 Month0.500%0.50%0.600%0.60%
24 Month 0.600%0.60%0.700%0.70%
36 Month 0.700%0.70%0.800%0.80%
48 Month 0.800%0.80%0.900%0.90%
60 Month 0.900%0.90%1.000%1.00%
Share Certificates with Rate Bump Option
36 Month0.200%0.20%0.300%0.30%Standard Rate: $5,000
Jumbo Rate: $35,000
48 Month0.300%0.30%0.400%0.40%
60 Month0.400%0.40%0.500%0.50%
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 June 28, 2021
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Traditional and Roth IRA Certificates
TermDividend RateStandard *A.P.Y.Jumbo Div RateJumbo *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 0.700%0.70%0.800%0.80%
36 Month 0.800%0.80%0.900%0.90%
48 Month 0.900%0.90%1.000%1.00%
60 Month 1.000%1.00%1.095%1.10%
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 June 28, 2021
Share Savings Account
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Regular Shares0.25%0.25%QuarterlyQuarterly$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 TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Tier 1 ($0.00 to $499.99)0.000%0.000%DailyMonthly$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 May 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 TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Health Savings Account0.50%0.50%DailyMonthly$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 May 1, 2021. The dividends are variable rates, compounded daily and paid monthly.
Traditional/Roth IRA
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Traditional / Roth IRA 0.50%0.50%DailyMonthly$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 May 1, 2021. The dividends are variable rates, compounded daily and paid monthly.
Checking
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends Paid
Tier 1 ($500-$9,999,99)0.100%0.100%DailyMonthly
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 May 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 TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidPosting Date
2021 Christmas Club * (first $3,000 deposited)1.500%1.500%AnnuallyAnnuallyNovember 1st
Vacation Club * (first $3,000 deposited)1.500%1.500%AnnuallyAnnuallyMay 1st
CD Builder Club0.300%0.300%DailyMonthly**
Visa Builder Club0.250%0.250%QuarterlyQuarterly***
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
TermNew & Used
*A.P.R. as low as 1
Minimum Value
New & Used Automobiles
0-36 Months1.99%
37-48 Months2.24%
49-60 Months2.24%
61-72 Months2.49%$15,000
73-84 Months2.99%$40,000
Classic Automobiles
0-48 Months**
New & Used Boats, RVs, and Campers
0-36 Months5.24%
37-48 Months5.24%
49-60 Months5.24%$5,000
61-72 Months6.49%$20,000
73-120 Months6.49%$20,000
121-144 Months6.74%$40,000
New & Used Motorcycles / ATVs
0-36 Months5.24%
37-48 Months5.24%
49-60 Months5.24%$5,000
61-72 Months6.49%$20,000
A.P.R. = Annual Percentage Rate
Estimated Payment per $1,000 financed with Rate of 2.24% at 60 months = $17.63
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 Month9.49%Maximum amount of $20,000 or 20% of annual income.
24 Month9.99%
36 Month10.49%
48 Month10.99%
*A.P.R. = Annual Percentage Rate
Estimated payment per $1,000 financed at 9.49% for 12 months = $87.71
Share Secured
TypeTerm*A.P.R. as low as 4
Share Equity136 Months6.24%
48 Months6.49%
60 Months6.49%
Share Secured2120 Months2.55%
Certificate Secured3120 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 asTerms/Conditions
Visa® Platinum7.99%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.

* APR- Annual Percentage Rate

Home Loans

Mortgage Program Rates
TypeMaximum Term*A.P.R. as low as
Choice Home Equity1,215 Years3.25%
Easy-Refinance1,325 YearsCall for current rates
First MortgageACU offers low-rate first mortgages in most states.
Rates change daily. Call the Credit Union at 800-245-8112 to check current rates.
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
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.
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.
*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.
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 RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.
6 Month
0.350%0.35%0.450%0.45%
9 Month
0.400%0.40%0.500%0.50%
12 Month
0.450%0.45%0.550%0.55%
18 Month
0.500%0.50%0.600%0.60%
24 Month
0.600%0.60%0.700%0.70%
36 Month
0.700%0.70%0.800%0.80%
48 Month
0.800%0.80%0.900%0.90%
60 Month
0.900%0.90%1.000%1.00%
Share Certificates with Rate Bump Option
36 Month
0.200%0.20%0.300%0.30%
48 Month
0.300%0.30%0.400%0.40%
60 Month
0.400%0.40%0.500%0.50%
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 June 28, 2021.
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Traditional and Roth IRA Certificates
Dividend RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.
12 Month
0.550%0.55%0.650%0.65%
24 Month
0.700%0.70%0.800%0.80%
36 Month
0.800%0.80%0.900%0.90%
48 Month
0.900%0.90%1.000%1.00%
60 Month
1.000%1.00%1.095%1.10%
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 June 28, 2021
Shares Savings Account
Account TypeDividend Rate*A.P.Y.
Regular Shares0.25%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 TypeDividend 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 May 1, 2021. The dividends are variable rates, compounded daily and paid monthly.
Health Savings Accounts
Account TypeDividend Rate*A.P.Y.
Health Savings Account 20.50%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 TypeDividend Rate*A.P.Y.
Traditional / Roth IRA 20.50%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 May 1, 2021. The dividends are variable rates, compounded daily and paid monthly.
Checking
Account TypeDividend 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 May 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 TypeDividend 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