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Rates and Fees

Savings Rates

Account type

Dividend Rate

APY*

Minimum Opening Balance Required to earn APY

PASSBOOK SVG

0.050%

0.050%

$25.00

STATEMENT SVG

0.050%

0.050%

$25.00

07 - 31 Day Jumbo Certificate

0.100%

0.100%

$35,000.00

45 - 90 Day Jumbo Certificate

0.100%

0.100%

$35,000.00

6 MONTH CERTIFICATE / IRA

0.700%

0.700%

$500.00

9 MONTH CERTIFICATE / IRA

1.100%

1.100%

$500.00

12 MONTH CERTIFICATE / IRA

1.100%

1.106%

$500.00

****12 Month Certificate/IRA SPECIAL 

2.000%

2.018%

$500.00

14 MONTH CERTIFICATE / IRA

1.100%

1.106%

$500.00

18 MONTH CERTIFICATE / IRA

1.250%

1.257%

$500.00

**** 30 Month Certificate/IRA Special 

2.813%

2.850% 

$500.00 

30 MONTH CERTIFICATE / IRA

1.250%

1.257%

$500.00

36 MONTH CERTIFICATE / IRA

1.250%

1.257%

$500.00

48 MONTH CERTIFICATE / IRA

1.250%

1.257%

$500.00

60 MONTH CERTIFICATE / IRA

1.325%

1.333%

$500.00

*Annual Percentage Yield (APY) is subject to change without notice.  For further information about applicable fees and terms, please contact a member service specialist. Early withdrawal penalty may apply on the Certificate of Deposits.

****12 month Certificate of Deposit special Annual Percentage Yield (APY) is valid as of March 30, 2017.  Minimum balance to open is $500.  Money cannot come from an existing ACU account.  Must be an ACU member and maintain a $25 savings account.  Limited time offer.  Subject to change without notice.

****30 month Certificate of Deposit special Annual Percentage Yield (APY) is valid as of July 18, 2018.  Minimum balance to open is $500.  Money cannot come from an existing ACU account.  Must be an ACU member and maintain a $25 savings account.  Limited time offer.  Subject to change without notice.

Money Market

Account type

Dividend Rate

APY**

Minimum Opening Balance Required to earn APY

Tier 1 $25.00 - $999.99

0.100%

0.100%

$25.00

Tier 2 $1,000.00 - $9,999.99

0.100%

0.100%

$1,000.00

Tier 3 $10,000.00 - $24,999.99

0.150%

0.150%

$10,000.00

Tier 4 $25,000.00 - $49,999.99

0.200%

0.200%

$25,000.00

Tier 5 $50,000 and up

0.300%

0.300%

$50,000.00

 **Annual Percentage Yield (APY) is subject to change without notice. Please ask a member service specialist regarding the terms and conditions of the money market account as fees could reduce earning on this account. Please see Schedule of Fees.

Umbrella Checking

Account type

Dividend Rate*

APY***

Minimum Opening Balance Required to earn APY

Tier 1 $0.00 - $25,000

2.250%

2.250%

$0.00

Tier 2 $25,00.01 or more

0.050%

0.050%

$25,000.01

*To earn The Umbrella Checking rates you must complete the following 3 items: have 12 debit transactions, have an eStatement and have one Direct Deposit per statement cycle.  The 2.25% Annual Percentage Yield (APY) applies to the first $25,000. Balances over $25,000 earn an APY of 0.50%. When monthly requirements are not met each monthly statement cycle, the base rate of 0.10% APY will apply to the entire balance for the statement cycle. Minimum to open the account is $100.  **Umbrellas are on a first-come, first-serve basis and are limited while supplies last and are only available to accounts opened with funds from a non ACU account.

***Annual Percentage Yield (APY) is subject to change without notice.  For further information about applicable fees and terms please contact a member service specialist. All rates are subject to change without notice.

RATES EFFECTIVE 08.29.17

 

Mortgage Rates

Click here to view our Mortgage Rates

Fixed Rate Home Equity Loans*

TERM

RATE

APR

Payment Per $1,000 Borrowed

FEES

1-5 YEAR

3.240%

3.240%

$18.08

$0

6-10 YEAR

4.240%

4.240%

$10.24

$0

11-15 YEAR

5.240%

5.240%

$7.52

$0

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*Homeowners insurance required. Home Equity cannot be 1st position lien. Prepayment Penalty if paid off within the first 3 years equivalent to the closing costs.  70% LTV based on the town's assessed value. 80% LTV based on an appraisal value.

 

Home Equity Line of credit (Variable Rate)*

DRAW

REPAY

Rate

FEE

15 YEARS

15 YEARS

Prime minus 0.50%

$0

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*Choose to pay interest only for the first 15 years then a 15 year repayment period. 70% LTV based on the town's assessed value. 80% LTV based on an appraisal value. Maximum rate is 18.0%. Minimum rate is 4.00%. Prime rate is currently at 4.00% as of 3/16/17.  Prepayment Penalty if paid off within the first 3 years equivalent to the closing costs. Rate may vary from month to month. No minimum draw. Minimum line of $10,000. No First Mortgage required. Homeowners Insurance required. 

Construction Loans

We offer construction loans at the same terms as our mortgage products. Please add 0.50% to mortgage product rates.  Your first 12 monthly payments are interest only. After 12 months have passed, the loan will convert to principal and interest payments. We lend up to 95% LTV on 1-4 family, owner-occupied homes.  Over 80% LTV requires private mortgage insurance.  Homeowners insurance is required.

Building Lot Loan

We loan up to 50% loan to value for a term up to 10 years at our regular fixed or adjustable rates.

**APR based on single family primary residence with a maximum LTV of 80% and a minimum FICO score of 740

 

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.  Loan programs and rates effective 6.1.2017

Consumer Rates

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PRODUCT

Rate*

TERM

YEAR of COLLATERAL

Payment Per $1,000 Borrowed**

PERSONAL LOAN (INCLUDES BOATS, POWERSPORTS, TRACTORS, DEBT CONSOLIDATION)

7.95%

Up to 120 months

 

$12.11

SHARE SECURED LOAN

5.49%

Up to 120 months

ACU SHARES

$10.85

CERTIFICATE OF DEPOSIT SECURED LOAN 

2.00% OVER CD RATE

TERM OF CD

ACU CERTIFICATE OF DEPOSIT

 

CREDIT BUILDER LOAN 

12.00%

Up to 48 months

 

$26.33

HOME IMPROVEMENT  UNSECURED LOAN 

7.95%

Up to 120 months

 

$12.11

CARS, TRUCKS, MOTORCYCLES, RVS, CAMPERS 

3.20%

Up to 35 months

2008 or newer

$3.96

 

3.50% 

36 to 59 months 

2008 or newer

$4.07 

 

3.75% 

60 to 72 months 

2008 or newer

$18.30

 

4.74%

73 months or longer

2008 or newer and loan amount greater than $25,000

$15.80

* Interest rate determined by individuals credit score.  Above rates based on 740 FICO score for auto loans.  ACU Membership is required.

** Payment per $1,000 based on FICO score of 740.

115% Financing available on auto loans with 700+ FICO Score.  Other rates and terms available.  Rates effective as of July 11, 2018.

100% Financing on Boats, Campers, Trailers, Motor Homes, Motorcycles & Snowmobiles with 700+ FICO score.  Other rates and terms available.

*** ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ***