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Own Your Journey

At Ashland Credit Union, we embolden our members to achieve their financial goals. Along life’s journey, you can count on us for guidance as you strive for financial wellness.

Your life is your journey…Own It!

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Man and children playing
Man and children playing

Discover Financial Wellness

with Ashland Credit Union

We could all use less stress in our lives. Juggling work, family responsibilities and personal needs can be overwhelming. Then there is money management, which is often one of the biggest sources of stress and worry. That’s why making wise financial choices is essential to restoring peace in your life. Ashland Credit Union can help.

Our services can help you lose the stress and discover financial wellness by consolidating debt, planning for upcoming expenses, and giving you options that fit your needs.

Discover financial wellness through:

See below for details.

Start Your Journey to Financial Wellness

Consolidation Loan

  • 5.74%/as low as APR**
  • Financial flexibility when you need it
  • Terms from 12-48 months
  • Borrow up to $20,000
  • Consolidate debt into one fixed monthly payment
  • Financial flexibility when you need it

Start Saving!

Vacation Club

  • 1.50%/ APY* on first $3,000
  • No minimum opening deposit required.
  • Choose from three payout options (see below).
  • Dividends paid annually on May 1st.
  • No restrictions on when contributions can begin.
  • A great way to save money and earn dividends at a competitive rate!

Start Saving!

Free Checking

  • 0/min. deposit
  • No monthly maintenance costs
  • Dividends paid monthly based upon daily balance
  • Accessible at 30,000 ATMs nationwide
  • Custom debit cards available ($20)
  • View current rates.

Start Saving!

Christmas Club

  • 1.50%/APY* on first $3,000
  • No minimum opening deposit required.
  • Choose from three payout options (see below).
  • Dividends paid annually on November1st.
  • No restrictions on when contributions can begin.
  • A great way to save money and earn dividends at a competitive rate!

Start Saving!

1 Christmas and Vacation Club/Checking Promotion
To be eligible, all members must, a) Open a new ACU Christmas or Vacation Club account and deposit $30 to the newly opened account during the promotional period (4/1/22-6/30/22). b) open and activate a new ACU checking account and be in good standing. To receive $100 direct deposit reward, you must activate an ACU checking account in good standing by either 1) starting a new payroll direct deposit into the account (total amounts received must be at least $500 within 60 days of opening your club account), or 2) making at least 3 debit transactions from the activated ACU checking account within 45 days of opening new club account. Limit one reward per member. May not be combined with any other checking or direct deposit offer. Offer not valid if previous direct deposit offers have been redeemed. Reward will be deposited within 60 days of meeting requirements. Accounts overdrawn or closed before reward is credited are disqualified. An application is required for all checking, Christmas, and vacation accounts. There is a $20 charge for all custom debit cards. All offers end 6/30/22.

2 Christmas and Vacation Club Disclosures
APY* – Annual Percentage Yield. Annual posting date for Vacation Club- May 1st. Annual Posting date for Christmas Club- November 1st. 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. Christmas Cash Bonus Program runs from 11/1/2021 thru 10/31/2022 and is open to memberships with both an ACU checking account and an active Christmas Club account. Each signature-based or “credit” point of sale transaction greater than $1.00 made with your ACU debit card while both accounts are open qualifies for the deposit bonus. Deposit bonuses are credited at $0.20 per qualifying transaction for the first 25 transactions made per month, $0.10 per transaction thereafter. Christmas Club accounts are considered active for this program if they have a balance over $1,000 or have received non-bonus deposits totaling at least $30.00 each quarter. Christmas Cash is credited once per quarter in Feb, May, Aug, & Nov. An early withdrawal fee of $25.00 is charged on any withdrawal made from the account prior to the November 1 payout. Early withdrawal fees may reduce earnings. Terms and conditions subject to change without notice.

3 Consolidation Loan
APR** – Annual Percentage Rate. As low as APR includes a 0.50% discount for loan payments made via an automatic payment plan. To qualify for this loan, applicants must be transferring/consolidating debt from credit cards or loans not associated with ACU. No cash out option. Maximum term 48 months. Maximum amount financed $20,000. Estimated payment at 6.74% APR for 36 months is $30.76 per $1,000 financed. Rate based on creditworthiness. Not all applicants will receive the advertised rate. Loans subject to credit approval. Not all will qualify. Membership required. Insured by NCUA. All offers end 4/30/22.


Would you like assistance with your finances? Contact an ACU representative toll free at 1-800-245-8112, or complete the form below and someone will contact you. (please do not provide personal information such as account numbers, social security numbers, or other sensitive information in your message)

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