Rates

Savings | Car Loan | Motorcycle, Boat & RV Loan | Personal Loan | Home Equity | Credit Cards | Mortgage Rates

Savings Accounts

Truth in Savings Fee Schedule

Yields effective: October 1, 2018

Account Type Annual Percentage
Yield (APY)
Minimum to Earn
Dividends
Minimum Opening
Balance
Share Savings .10% $100.00 $5.00
Youth Accounts .10% None $5.00
Money Marketing Savings .10% $0 - 2,499.99 $2,500.00
Money Marketing Savings .65% $2,500.00 – $9,999.99 $2,500.00
Money Marketing Savings .85% $10,000.00 – $24,999.99 $10,000.00
Money Marketing Savings .90% $25,000.00 – $74,999.99 $25,000.00
Money Marketing Savings 1.10% >= $75,000.00 $75,000.00
Special Club Accounts .10% $100.00 None
IRA Savings .50% None None
Your Choice Checking
(APY Reward)
2.00% Avg. daily balances from
$0.01 - $10,000 If eligibility
requirements are met*
None
Your Choice Checking
(APY Reward)
.10% Avg. daily balances over $10,000 If eligibility
requirements are met*
None
Your Choice Checking
(Cash Back Reward)
.05% Avg. daily balance when
requirements are not met*
None
Checking - Regular None None

None

The Fine Print
SAVINGS ACCOUNTS: Fees may reduce earnings. Yields may change after opening.

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, 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.


Jumbo Certificates

Yields effective: February 12, 2019

9Term Annual Percentage
Yield (APY)
Minimum to Earn
Dividends
Minimum Opening
Balance
6 Month Jumbo Share 1.85% $100,000.00 $100,000.00
6 Month Jumbo IRA 1.85% $100,000.00 $100,000.00
6 Month Jumbo Roth IRA 1.85% $100,000.00 $100,000.00
12 Month Jumbo Share 2.50% $100,000.00 $100,000.00
12 Month Jumbo IRA 2.60% $100,000.00 $100,000.00
12 Month Jumbo Roth IRA 2.60% $100,000.00 $100,000.00
24 Month Jumbo Share 2.75% $100,000.00 $100,000.00
24 Month Jumbo IRA 2.75% $100,000.00 $100,000.00
24 Month Jumbo Roth IRA 2.75% $100,000.00 $100,000.00

The Fine Print
Yields are subject to change at any time.

ALL CERTIFICATES: A penalty for early withdrawal may be imposed except on designated No Penalty certificates. Fees may reduce earnings.


Share & IRA Certificates (Traditional, Roth, & Coverdell Savings Accounts)

Yields effective: February 11, 2019

Term Annual Percentage
Yield (APY)
Minimum to Earn
Dividends
Minimum Opening
Balance
6 Month 1.00% $500.00 $500.00
12 Month - Share Builder 2.40% $25.00 $25.00
12 Month Share 2.40% $500.00 $500.00
12 Month Share - Platinum 2.50% $500.00 $500.00
12 Month IRA 2.50% $500.00 $500.00
12 Month IRA - Platinum 2.60% $500.00 $500.00
12 Month Roth IRA 2.50% $500.00 $500.00
12 Months Roth IRA - Platinum 2.60% $500.00 $500.00
15 Month Share No Penalty! 2.35% $500.00 $500.00
15 Month Share 2.45% $500.00 $500.00
15 Month Share - Platinum No Penalty! 2.45% $500.00 $500.00
15 Month Share - Platinum 2.55% $500.00 $500.00
15 Month IRA & Roth IRA 2.45% $500.00 $500.00
15 Month IRA & Roth IRA - Platinum 2.55% $500.00 $500.00
18 Month Share 2.45% $500.00 $500.00
18 Month Share - Platinum 2.55% $500.00 $500.00
18 Month IRA & Roth IRA 2.45% $500.00 $500.00
18 Month IRA & Roth IRA - Platinum 2.55% $500.00 $500.00
24 Month Share 2.50% $500.00 $500.00
24 Month Share - Platinum 2.60% $500.00 $500.00
24 Month IRA & Roth IRA 2.50% $500.00 $500.00
24 Month IRA & Roth IRA - Platinum 2.60% $500.00 $500.00
36 Month Share 2.55% $500.00 $500.00
36 Month Share - Platinum 2.65% $500.00 $500.00
36 Month IRA & Roth IRA 2.55% $500.00 $500.00
36 Month IRA & Roth IRA - Platinum 2.65% $500.00 $500.00
48 Month Share 2.60% $500.00 $500.00
48 Month Share - Platinum 2.70% $500.00 $500.00
48 Month IRA & Roth IRA 2.60% $500.00 $500.00
48 Month IRA & Roth IRA - Platinum 2.70% $500.00 $500.00
60 Month Share 2.90% $500.00 $500.00
60 Month Share - Platinum 3.00% $500.00 $500.00
60 Month IRA & Roth IRA 2.90% $500.00 $500.00
60 Month IRA & Roth IRA - Platinum 3.00% $500.00 $500.00

The Fine Print
Yields are subject to change at any time.

ALL CERTIFICATES: A penalty for early withdrawal may be imposed except on designated No Penalty certificates. Fees may reduce earnings.

PLATINUM CERTIFICATES: APYs are .10% higher. The Platinum level is a reward for members who choose us as their primary financial institution. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.

SHARE BUILDER CERTIFICATE: Deposits can be added at any time during the certificate term.


Car Loans

Rates effective: January 2, 2019

Type/Model Years Terms Up To Fixed APR*
As Low As
Sample Monthly
Payment for $20,000
New: 2018 – 2020 36 Months 2.75% $579.00
New: 2018 – 2020 Get lower payments and
lease-like flexibility with our Flex Car loan!
36 Months 4.25% $390.00
New: 2018 – 2020 60 Months 2.99% $359.00
New: 2018 – 2020 Get lower payments and
lease-like flexibility with our Flex Car loan!
60 Months 4.49% $289.00
New: 2018 – 2020 72 Months 3.49% $308.00
New: 2018 – 2020 Get lower payments and
lease-like flexibility with our Flex Car loan!
72 Months 4.99% $263.00
Used: 2012 – 2017 (Rates & terms for
older model cars available)
60 Months 3.49% $364.00
Used: 2012 – 2017 Get lower payments and
lease-like flexibility with our Flex Car loan!
60 Months 4.99% $310.00
Used: 2012 – 2017 72 Months 3.99% $313.00
Used: 2012 – 2017 Get lower payments and
lease-like flexibility with our Flex Car loan!
72 Months 5.49% $283.00

The Fine Print
*APR = Annual Percentage Rate. Rates are subject to change at any time. Payment examples may be different due to payment protection, etc. All rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Not all applicants will qualify for the lowest rate. 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 recurring payment.

Payments made under the Flex Car Loan will not pay off the total loan balance and there will be an outstanding balance at the end of the loan term. Payment examples are based on a new 2019 Nissan Sentra 4dr Sedan S AT and used 2016 Hyundai Santa Fe 2WD 4dr Wagon SE. Flex Car payments are specific to the type of car and its residual value calculation. Flex Car loans do not qualify for member relationship discounts.


Motorcycle Loans

Rates Effective: November 1, 2018

Type/Model Years Terms Up To Fixed APR*
As Low As
Sample Monthly
Payment for $20,000
New 2018-2020 60 Months 4.75% $375.00
Used 2012-2017 60 Months 4.99% $377.00

Boat & RV Loans

Rates Effective: January 1, 2018

Type/Model Years Terms Up To Fixed APR*
As Low As
Sample Monthly
Payment for $40,000
10 Years old or Newer 96 Months 5.50% $515.00
10 Years old or Newer 120 Months 6.25% $449.00
10 Years old or Newer 144 Months 7.25% $416.00

The Fine Print
*APR = Annual Percentage Rate. Rates are subject to change at any time. Payment examples may be different due to payment protection, etc.
All rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Not all applicants will qualify for the lowest rate.
Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles.
Up to 95% financing available for new and used boats/RVs. Certain conditions may apply.
Offer not available to existing Arlington Community FCU loans.


Personal & Secured Loans

Rates Effective: January 2, 2019

Type Loan
Maximum
Term
Up To
APR*
As Low As
Sample Monthly
Payment
Savings Secured Savings Balance Varies Earned Rate + 3% N/A
Certificate Secured Certificate Balance Balance of
Cert. Term
Rate + 3% N/A
Fast Cash/Holiday Dough $1,000 12 Months 16.75% $89
Personal Loan $25,000 48 Months 6.99% $119 for $5,000
Personal Loan $10,000-$25,000 60 Months 9.25% $209 for $10,000
Personal Line of Credit Varies Open 8.25% N/A

The Fine Print
*APR = Annual Percentage Rate. Rates are subject to change at any time. Payment examples may be different due to payment protection, etc. applicant(s) credit. Your actual rate may vary. Not all applicants will qualify for the lowest rate.


Home Equity Lines of Credit/Loans

Rates effective January 2, 2019

Type As Low As
APR*
Loan To Value
(LTV)
Sample Monthly
Payment for $10,000
HE Line of Credit** 5.50% 80% N/A
HE Line of Credit** 5.75% 85% N/A
HE Line of Credit** 6.25% 90% N/A
HE Line of Credit** 6.50% 95% N/A
HE Line of Credit** 6.50% 100% N/A
Equity Loan Express - 5 Yr Term 3.89% 80% $183.67
Equity Loan Express - 5 Yr Term 4.50% 90% $186.43
Equity Loan Express - 5 Yr Term 4.75% 100% $187.57
Equity Loan Express - 10 Yr Term 4.75% 80% $104.85
Equity Loan Express - 10 Yr Term 5.75% 90% $109.77
Equity Loan Express - 10 Yr Term 6.00% 100% $111.02
Equity Loan Express - 15 Yr Term 5.25% 80% $80.39
Equity Loan Express - 15 Yr Term 6.00% 90% $84.39
Equity Loan Express - 15 Yr Term 6.25% 100% $85.74
Equity Loan Express - 20 Yr Term 6.00% 80% $71.64
Equity Loan Expres - 20 Yr Term 6.75% 90% $76.04
Equity Loan Express - 20 Yr Term 7.00% 100% $77.53

The Fine Print
*APR = Annual Percentage Rate. Rates are subject to change at any time. All rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Not all applicants will qualify for the lowest rate. Your Payment versus Payment examples may be different due to payment protection, prepaid interest, etc. Rates shown for LTVs 80%, 90% and 100%. Rates also available for 85% and 95% LTVs.

**Interest Rate floor = 3.75% APR and is variable. Subject to change with Quarterly Interest Rate Adjustments. The APR will not exceed 18%. Conditions may apply. Interest charges apply only when you use the line of credit. Property insurance required. Offer available only on owner-occupied, single family, residential real property located in VA, MD and DC. We must obtain a valid first or second lien position on the collateral and all owners must sign the documents.


Credit Cards - Terms & Conditions

Rates Effective: May 1, 2018

Annual Percentage
Rates (APR) & Charges
Platinum
Rewards
Classic
Purchases 9.90% 11.99%
Cash Advances 9.90% 11.99%
Balance Transfers 9.90% 11.99%
Grace period for repayment
of balances for purchases
25 days on average 25 days on average
The Balance of Purchases Average daily balance
(including new purchases)
Average daily balance
(including new purchases)
Features & Benefits Platinum
Rewards
Classic

Technology

EMV chip enabled for additional
layer of protection against fraud
EMV chip enabled for additional
layer of protection against fraud
Credit line Up to $25,000 Up to $25,000
Cardholders Single or joint account,
authorized users
Single or joint account,
authorized users
Rewards points Earn 2 Points for all Arlington, VA
purchases
& earn 1 point for every
dollar on all other purchases
NA
Rewards Options Redeem for cash, travel,
merchandise, or gift cards
NA
Point limits None NA
Point expiration Never NA
Fees Platinum
Rewards
Classic
Annual Fee None None
Account Set-up Fee None None
Balance Transfer Fee None None
Cash Advance Fee None None
Late Payment Fee $20.00 $20.00
Foreign Transaction Fee None None

The Fine Print
The information about the costs of these Visa programs described above is accurate as of May 1, 2018. Attached is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200Call 703-526-0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.