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ATTENTION MEMBERS: As a precaution, beginning Thursday, March 19th, our lobbies will be closed, but all drive-thrus, ATMs and electronic services are fully staffed and operational! Please click here to read the attached message from our President/CEO. We look forward to serving you virtually until the COVID-19 threat passes. Stay healthy!

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Rates

Deposit Products

Shares | Share Drafts (Checking) | Money Market | Term Share Certificates & IRA Certificates | Relationship Bonuses

Loans

Auto & Motorcycle Loans | Recreational Vehicles and Toys, Motorcycles | Motor Homes and Boats | Others Loans 

 

 

Rates effective as of March 12, 2020, and are subject to change.

Deposit Rates

Share Rates

Product

Deposit RangeRateAPY*

Share (Savings)*

$5.00 to $500.00

No interest

No interest

 

$500.01 to $7,500.00

0.10%

0.10%

 

$7,500.01 to $50,000.00

0.20%

0.20%

 

$50,000.01 to $100,000.00

0.30%

0.30%

 

$100,000.01 and over

0.40%

0.40%

Share Club*

$5 and over

0.20%

0.20%

IRA Share

$5 and over

0.35%

0.35%

*$5.00 minimum to open or obtain dividend

Share Draft (Checking)

Product

Deposit Range:RateAPY*

 Premier Checking

$2,500.01 to $25,000.00 0.01%  0.01% 
   $25,000.01 Plus  0.05%  0.05%

$20.00 minimum to open, first order of checks free and free checks for any member 50 years and older.
As an added benefit, foreign ATM fees waived up to $30.00 per month.

Money Market Account

Product

RangeRateAPY*

Money Market

$0 to $1,000.00

No interest

No interest

 

$1,000.01 to $15,000.00

0.15%

0.15%

 

$15,000.01 to $50,000.00

0.20%

0.20%

 

$50,000.01 to $75,000.00

0.25%

0.25%

 

$75,000.01 to $100,000.00

0.32%

0.32%

 

$100,000.01 and over

0.37%

0.37%

The variable rate is subject to change monthly. Minimum to open is $1,000.00. Limit of 3 withdrawals per month. No dividend is paid if balance falls below $1,000.00. *APY = Annual Percentage Yield. Interest will compound in the account, or it can be paid to another account. We reserve the right to correct any typographical errors in published rates. 

Term Share Certificates and IRA Certificates
 TermMinimum Deposit Rate APY* 

6 Month Certificate 

 min $1,000

 0.50%

0.50% 

 12 Month Certificate

 min $1,000

 0.87%

0.87% 

 24 Month Certificate

 min $1,000

0.97% 

0.97% 

 36 Month Certificate

 min $1,000

 1.05%

1.06%

 48 Month Certificate

 min $1,000

 1.15%

1.16%

 60 Month Certificate

 min $1,000

 1.25%

1.26%

 72 Month Certificate Super Saver

 min $1,000

1.35% 

1.36% 

Paid monthly. Future rates subject to change weekly)

RELATIONSHIP BONUSES - Available on all Share Certificates 12 months and over. For each additional service, add the corresponding Relationship Bonus

Relationship Bonuses

Feature

RateAPY*

Direct Deposit - Social Security or Net Payroll Check (active checking account required) 

0.10% 

0.10% 

myACFCU Online with eStatements (active checking account required) 

 0.10%

0.10% 

 Bill Pay

 0.10%

 0.10%

Auto or Consumer Loan
(one bonus per loan)

0.10% 

 0.10%

VISA Credit Card

 0.10%

 0.10%

Jumbo Certificate with balance over $100,000

  0.10%

  0.10%

Maximum in Relationship Bonuses per Certificate

 0.50%

0.50% 

Term Share Certificate will revert to the prevailing rate at maturity. APY=Annual Percentage Yield. Interest will compound to the certificate or will pay to another account. We reserve the right to correct any typographical errors in published rates.

Loans

New and Used Auto & Motorcycle Loans

Vehicle Type/Cost

TermAPR 
New Autos (upcoming, current & previous vehicle model years - under 10,000 miles)

 6 - 84 months 

 As low as 2.75%* 

Used Autos (7 years old or newer)

6 - 84 months

As low as 3.10%*

Used Autos (8-15 years old)

up to 72 months

As low as 3.90%*

Classic Autos (25 years and older)

up to 84 months

As low as 4.75%

New Motorcycles (2020, 2019 & 2018)

up to 72 months 

As low as 3.50% 

Used Motorcycles (7 years old or newer)

up to 72 months

As low as 3.75%* 

Used Motorcycles (8-15 years old)

up to 60 months

As low as 4.25%*

*Motorcycles must be over 800cc.

Apply Online

RVs, Boats and Toys*
(includes Travel Trailers, Fifth Wheels, Class A and Class C Motorhomes)

Type

 TermAPR 

New Recreational Vehicles (2020, 2019 & 2018)

up to 240 months 

As low as 3.50%* 

Used Recreational Vehicles (7 years old or newer)

up to 240 months

As low as 3.75%*

Used Recreational Vehicles (8-15 years old)

up to 144 months

As low as 4.25%*

New Boats (2020, 2019 & 2018)

up to 240 months 

As low as 3.50%* 

Used Boats (7 years old or newer)

up to 144 months

As low as 4.25%

Used Boats (8-15 years old)

up to 72 months

As low as 4.75%

New Toy (2020, 2019 & 2018)

up to 84 months

As low as 3.75%*

Used Toy (7 years old or newer)

up to 72 months As low as 4.25%
Used Toy (8-15 years old) up to 72 months As low as 4.75%

 *M/C < 800cc, Jet Ski, Tent Trlrs, Campers, Quad Runners, etc. Minimum Credit Score Required.

 

Apply Online

Lawn and Farm Equipment

Type

 Term APR

New & Used Lawn/Farm Equipment (7 years old or newer)

 up to 84 months

 As low as 3.75%*

Used Lawn/Farm Equipment (8-15 years old)

up to 72 months

As low as 4.75%


Other Loans
 
Type Term   APR
 
 
Personal Loans

up to 60 months 7.75%
Ready Cash Line of Credit

open-end (revolving) 10.00%
Share Savings Secured Loans

up to 120 months 3.50%
Share Certificate Secured Loans

up to 120 months Certificate Rate + 2.00%
Visa Platinum Credit Card

open-end (revolving) 9.80%
Secured Starter Loan (Credit Builder/Rebuilder)

up to 60 months 7.75%

 Apply Online

 

Call Us at 423-230-2600 for our current Mortgage Loan Rates!

Mortgage Request Form

*APR = Annual Percentage Rate. Rates "as low as" dependent on creditworthiness, Auto Pay, and/or any special discounts possibly offered for various reasons and marketing promotions. Rates subject to change at any time. Rates do not apply for refinance of existing ACFCU loans. All loans are subject to credit approval. Other terms and conditions may apply. Contact the Credit Union for full details regarding any ACFCU loan product and program.

 

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