Rates

Rates are effective as of November 07, 2014 and are subject to change without notice. APY= Annual percentage yield. Rates are stated as annual percentage yield.
Account APY Minimum to Earn Dividend Minimum Opening Balance
Share Savings .10% APY $100.00 $5.00
Youth Accounts .10% APY $5.00
Money Market Savings .10% APY $0-$2,499.99 None
.10% APY $2,500.00 – $9,999.99 $2,500.00
.15% APY $10,000.00 – $24,999.99 $10,000.00
.15% APY $25,000.00 – $74,999.99 $25,000.00
.25% APY $75,000.00 plus $75,000.00
Special Club Accounts .10% APY $100.00 None
IRA Savings .25% APY None None
Checking .00% APY None None
Your Choice Checking (APY Reward) 2.00% APY Avg. daily balances from $0.01 - $10,000 If eligibility requirements are met* None
Your Choice Checking (APY Reward) 0.10% APY Avg. daily balance from $10,000.01+ If eligibility requirements are met* None
Your Choice Checking 0.05% APY Avg. daily balance if eligibility requirements were not met or cash back option. None
Share and IRA Certificates**
6 Month Certificate .20% APY $500.00 $500.00
12 Month Certificate .45% APY $500.00 $500.00
12 Month Platinum .55% APY $500.00 $500.00
18 Month Certificate .50% APY $500.00 $500.00
18 Month Platinum .60% APY $500.00 $500.00
24 Month Certificate .55% APY $500.00 $500.00
24 Month Platinum .65% APY $500.00 $500.00
36 Month Certificate .90% APY $500.00 $500.00
36 Month Platinum 1.00% APY $500.00 $500.00
48 Month Certificate 1.20% APY $500.00 $500.00
48 Month Platinum 1.30% APY $500.00 $500.00
60 Month Certificate 1.60% APY $500.00 $500.00
60 Month Platinum 1.70% APY $500.00 $500.00
IRA Certificate rates quoted here also apply for our Traditional and Roth IRAs as well as our Coverdell Savings Accounts. **Share certificate rates are .10% higher for Platinum members. The Platinum level is a reward for members who choose ACFCU as their primary financial institution. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.
YOUR CHOICE CHECKING: If eligibility requirements are met each calendar month, you may choose to (a) earn 2.00% APY on balances from $.01 to $10,000 and 0.10% on balances over $10,000, or (b) receive 1% cash back on signature debit card transactions, calculated based on the total dollar amount of signature debit card transactions, up to a maximum of $10 cash back each month. Third party ATM fees you incur during a month in which you meet eligibility requirements will be refunded, up to a maximum of $20 per month. To qualify, you must: be enrolled in e-Statements, log into online banking or the mobile app at least once each month, conduct at least one ACH transaction each month, and make at least 15 signature debit card transactions each month. To meet the minimum requirements, the above actions must be performed and transactions must clear/post to your account during the calendar month. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. If you do not meet the requirements in a calendar month, your account will earn 0.05% APY and you will not receive ATM fee refunds for that month. Available only for consumer accounts.

 

Rates are effective as of June 09, 2014 and are subject to change without notice. APR states the Annual Percentage Rate for the loan. As low as TrueCar rates only apply when member qualifies, finances through ACFCU and brings the certificate to the dealer to complete the process. Rate subject to change without notice.
Loan Type Term APR
New Auto – model year 2013 – 2014** Up to 60 months As low as 1.69%*
New Auto – model year 2013 – 2014** Up to 72 months As low as 2.49%*
TrueCar New Auto – model year 2013 – 2014  (online car buying service) Up to 36 months As low as .99%*
TrueCar New Auto – model year 2013 – 2014 (online car buying service) Up to 60 months As low as 1.22%*
Used Auto – model year 2007 – 2012**  (Rates and terms for older model cars available) Up to 60 months As low as 2.69%*
Used Auto – model year 2007 – 2012** Up to 72 months As low as 2.99%*
TrueCar Used Auto – model year 2007-2012  (online car buying service) Up to 36 months As low as 2.24%*
TrueCar Used Auto – model year 2007-2012 (online car buying service) Up to 60 months As low as 2.24%*
New Motorcycle – model year 2012 – 2014 Up to 60 months As low as 3.99%*
 Used Motorcycle – model year 2007 – 2011 Up to 60 months As low as 4.49%*
 New/Used Boats & RVs* – 10 years old or newer Up to 96 months As low as 4.99%
Up to 120 months As low as 6.25%
Up to 144 months As low as 7.25%
*Up to 110% financing is available for new autos/motorcycles and NADA retail value for used autos/motorcycles. Certain restrictions may apply. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU Auto loans. Rates subject to change without notice. Monthly payment example: $20,000 for 60 months at 1.69% = $348.00.
Up to 95% financing available for new boats/RVs and NADA retail value for used boats/RVs depending on term desired. Monthly payment example: $40,000 for 96 months at 4.99% = $507.00
**To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active checking account with existing direct deposit, a balance transfer of $1,000 on a new or existing Visa credit card, and/or an established Bill Pay usage with at least one reoccurring payment.
Loan Type Loan Maximum APR
Savings Secured (variable rate) Savings Balance Rate + 3%
Certificate Secured Certificate Balance Rate + 3%
Holiday Signature Loan Varies As low as 7.99%
Holiday Dough Loan** $1000 8.99%
Personal Line of Credit Varies As low as 8.25%*
Payday Advance Loan $500 15.00%*
VISA Classic $7,000 11.99%*
VISA Gold $15,000 10.99%*
VISA Platinum $20,000 9.90%*
*Payment examples: A $5,000 Certificate Secured loan for 48 months at 3.10% = 110.90.  Holiday Signature Loan payment sample: $5,000 for 36 months at 7.99% = $156.68 per month.  Holiday Dough: *APR= Annual Percentage Rate. **Holiday Dough only offered through 12/31/2014, receive a $1000 loan with a 8.99% APR for 12 months. 1A $40 application fee is required to be paid up front. Payment is based on first due date of January 2015. 2 Only one Holiday Dough loan per Social Security Number. Must be a credit union member for at least 6 months prior to application date. Existing holiday dough loan must be repaid with proceeds or cash, if applicable. If member has been denied for a signature loan in the past three months, they are not eligible. No Payday loans allowed during the life of this loan.  Other restrictions may apply; qualifications for this loan are listed above.

 

Rates are effective as of November 07, 2014 and are subject to change without notice. *Annual Percentage Rate.  The lowest rate will be paid first.** After the first 12 months, your interest rate will revert to the original qualifying rate. Rate floor is 3.75% APR. Rate is variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not exceed 18%. Exclusions and limitations apply. Interest charges apply only when you use the line. Property insurance required. Offer available only on owner occupied, single-family, residential real property located in VA, MD and DC. ACFCU must obtain a valid first or second lien position on the collateral, and all parties must sign the documents. Payment example: A $10,000 Equity Express loan for 120 months at 5% = 106.09.
Loan Type Loan-To-Value (LTV) APR
Home Equity Line of Credit Up to 85% of Equity As low as 3.75%
Home Equity Express Up to 80% of Equity As low as 3.89%
Home Equity Express Up to 85% of Equity As low as 4.00%
5/20 Second Mortgage Balloon Up to 80% of Equity As low As 4.25%
5/20 Second Mortgage Balloon Up to 90% of Equity As low As 5.25%

 

Terms and Conditions for the Visa Classic, Gold and Platinum Programs

Terms and Conditions for Visa Platinum
Annual percentage rate (APR) for purchases 9.90%
Balance Transfer APR 9.90%
Cash Advance APR 9.90%
Grace period for repayment of balances for purchases 25 days on average
Method of computing the balance for purchases Average daily balance including new purchases
Annual fees None
Balance transfer fee None
Late-payment fee $20.00
Terms and Conditions for Visa Gold
Annual percentage rate (APR) for purchases 10.99%
Balance Transfer APR 10.99%
Cash Advance APR 10.99%
Grace period for repayment of balances for purchases 25 days on average
Method of computing the balance for purchases Average daily balance including new purchases
Annual fees None
Balance transfer fee None
Late-payment fee $20.00
Terms and Conditions for Visa Classic
Annual percentage rate (APR) for purchases 11.99%
Balance Transfer APR 11.99%
Cash Advance APR 11.99%
Grace period for repayment of balances for purchases 25 days on average
Method of computing the balance for purchases None
Annual fees None
Transaction fee for cash advances None
Balance transfer fee None
Late-payment fee $20.00
The information about the costs of these Visa programs described here is accurate as of November 07, 2014. This information may have changed after this date. To find out what may have changed, call us at (703) 526-0200, or write us at P.O. Box 40070, Arlington, VA 22204-7070.