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Loan Rates
Note: Discount rate includes a 1/4% discount for loan payments
made electronically via payroll deduction, ACH, or auto-transfer. If electronic payments are discontinued, the loan rate will increase 1/4%. Discount rate not
available on all loan types.
| Transportation Loan Rates
Rates current as of November 17, 2009 |
| Term |
APR
as low as1 |
Discount
Rate |
Min. Amt
Financed |
Available
for |
Other Details |
| 36 Months |
4.24% |
3.99% |
|
Vehicles
Motorcycles
Boats
RV's |
Boat loans are not available in all states. Click here to see a list
of available states.
|
| 48 Months |
4.49% |
4.24% |
| 60 Months |
4.49% |
4.24% |
$5,000 |
| 72 Months |
4.99% |
4.74% |
$20,000 |
| 84 Months |
6.74% |
6.49% |
$20,000 |
Boats
RV's |
| 120 Months |
7.74% |
7.49% |
$50,000 |
| Farm Equipment |
| 36 Months |
5.49% |
5.24% |
|
Farm Equip. |
|
| 48 Months |
5.99% |
5.74% |
| 60 Months |
5.99% |
5.74% |
$5,000 |
1As Low As rate includes a 1/4% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP,
or applicable value.
|
| Real-Estate
Rates current as of November 17, 2009 |
| Type |
Maximum
Term |
APR
as low as |
Discount
Rate |
Loan
Amount |
Additional
Advances |
Additional Information |
Choice Home Equity
Variable-Rate2,3 |
15 Years |
4.25% |
4.00% |
$5K to $200K |
$500 minimum |
1) No prepayment penalty
2) No closing costs
3) Offered in AR,FL,GA,IL,IN,KY,MI,MN,MO,
NC,NJ,OH,PA,TN,VA,WA,WV,WY |
Choice Home Equity
Fixed-rate2 |
10 Years |
5.25% |
5.00% |
$5K to $200K | Not Available |
| First Mortgage |
ACU offers low-rate first mortgages in all 50 states.
Rates change daily. Call the Credit Union at 800-245-8112 to check current rates. |
2 Rate offered will be based on combination of factors including credit score and loan-to-value ratio.
3 Variable rate is subject to change semi-annually. |
| Share Secured
Rates current as of November 17, 2009 |
| Type |
Term |
APR
as low as |
Other Details |
| Share Equity |
36 Months |
5.74% |
Maximum loan amount is 150% above the amount of shares pledged. |
| 48 Months |
5.99% |
| 60 Months |
5.99% |
| Share Secured |
120 Months |
3.00% |
APR will be the current rate of the share/money market account offered as security plus 2.00% |
| Certificate Secured |
120 Months |
** |
** The APR will be the dividend rate being paid on the Certificate offered as security (Index) plus 2%. Failure to renew will result in
default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in
higher payments. The APR and daily periodic rate will be disclosed on the voucher at the time of the advance. |
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Visa Interest Rates & Fees (.pdf)
