Discover Financial Wellness
with Ashland Credit Union
Life is a journey filled with new experiences to discove challenges to overcome. At Ashland Credit Unin, we offer a variety of resources to help you on your journey by achieving your financial goals. Whether you are focused on your next step or planning for what's coming down the road, you can count on us for guidance as you strive for financial wellness.
Achieve financial wellness on your journey with:
Checking Options - Free personal checking accounts that pay dividends monthly, with custom debit cards that give you access to your funds at over 30,000 ATMs nationwide
Checking and Club Savings Combo 1 2- Combine a Christmas or Vacation Club with an ACU Checking Account (including direct deposit) and earn $100 Bonus (offer ends 8/31/22).
Consolidation Loans 3- By combining your various debts into one loan, you can lock in your rate and easily manage your payments.
Choice Home Equity Line of Credit 4- Achieve more using the value of your own home! Rates as low as 3.25% APR*.
Premium Savings 5- Invest in your future by making your money work for you! Ask about our great deposit rates.
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 (6/1/22-8/31/22). b) open and activate a new ACU checking account and be in good standing. To receive $100 direct deposit reward, you must open and activate a new ACU checking account and be in good standing by starting a new payroll direct deposit into the account (total amounts received must be at least $500 within 60 days of opening your new checking and 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 8/31/22. Membership required.
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 account applies to only the first $3,000 on deposit. Stated rate on Vacation Club account applies to only the first $5,000 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. Membership required.
3 Consolidation Loan
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. Membership required.
4 Choice Home Equity Line of Credit
Estimated monthly payment on $10,000 loan with a 15-year term at 4.50% APR** is $76.51. Under no circumstances will your APR** go below 3.25% APR** floor rate during the term of your loan. Rate offered will be based on combination of factors including credit score and loan-to-value ratio. Property Insurance is required. Variable rate is subject to change semi-annually. Max rate is 24.00% APR**. Not offered in all states. Membership required.
5 Premium Savings (Money Market)
Ashland Credit Union premium savings accounts require $500 minimum deposit to open, and a minimum balance of $500 to earn dividends. Deposit rate may change after the opening of this account. Fees may reduce earnings on the account. The dividends are variable rates, compounded daily and paid monthly. Membership required.
APR** = Annual Percentage Rate. A.P.Y.* = Annual Percentage Yield
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)