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: December 2, 2019

Rates for Savings & Checking Accounts

Account Type Annual Percentage Yield (APY) Minimum to Earn Dividends Minimum Opening Balance
Share Savings .10% $100 $5.00
Youth Accounts .10% None $5.00
Money Market Savings .10% $0 - 2,499.99 $2,500
Money Market Savings .40% $2,500.00 – $9,999.99 $2,500
Money Market Savings .50% $10,000.00 – $24,999.99 $10,000
Money Market Savings .50% $25,000.00 – $74,999.99 $25,000
Money Market Savings .80% $75,000.00 + $75,000
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 Share & IRA Certificates

(Traditional & Roth Only)

Yields effective: November 22, 2019

Jumbo Certificate Rates

Term Annual Percentage
Yield (APY)
Minimum to Earn
Dividends
Minimum Opening
Balance
6 Month Jumbo Certificate 1.85% $100,000.00 $100,000
12 Month Jumbo Certificate 1.95% $100,000.00 $100,000
24 Month Jumbo Certificate 2.00% $100,000.00 $100,000

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, SEP, and Coverdell Savings Accounts)

Yields effective: November 22, 2019

Share & IRA Certificate Rates

Term Annual Percentage
Yield (APY)
Platinum APY Minimum to Earn
Dividends
Minimum Opening
Balance
6 Month Certificate 1.75% N/A $500.00 $500.00
12 Month Share Builder Certificate 1.85% 1.95% $25.00 $25.00
12 Month Certificate 1.85% 1.95% $500.00 $500.00
15 Month Certificate 1.85% 1.95% $500.00 $500.00
15 Month Certificate No Penalty! 1.75% 1.85% $500.00 $500.00
18 Month Certificate 1.85% 1.95% $500.00 $500.00
24 Month Certificate 1.90% 2.00% $500.00 $500.00
36 Month Certificate 2.00% 2.10% $500.00 $500.00
48 Month Certificate 2.00% 2.10% $500.00 $500.00
60 Month Certificate 2.10% 2.20% $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: December 2, 2019

Car Loan Rates

Type/Model Years Terms Up To Fixed APR*
As Low As
Sample Monthly
Payment for $20,0001
New: 2018 – 2020 36 Months 2.49% $577.00
New: 2018 – 2020 Get lower payments and
lease-like flexibility with our Flex Car loan!
36 Months 3.99% $268.00
New: 2018 – 2020 60 Months 2.99% $359.30
New: 2018 – 2020 Get lower payments and
lease-like flexibility with our Flex Car loan!
60 Months 4.49% $276.00
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% $223.00
Used: 2012 – 2017 (Rates & terms for
older model cars available)
60 Months 3.24% $361.53
Used: 2012 – 2017 Get lower payments and
lease-like flexibility with our Flex Car loan!
60 Months 4.74% $300.00
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% $292.00

The Fine Print

*APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for he lowest rate. Offer not available to existing ACFCU car loans. Loan and membership eligibility apply. 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 at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application. Offer ends 1.2.2019.

1Payment examples may be different due to payment protection, etc. 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 2020 Kia Forte 2WD 4D Sdn FE Automatic Transmission 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: December 2, 2019

Motorcycle Loan Rates

Type/Model Years Terms Up To Fixed APR*
As Low As
Sample Monthly
Payment for $20,0001
New 2018-2020 60 Months 4.99% $377.36
Used 2012-2017 60 Months 5.24% $379.66

Boat & RV Loans

Rates Effective: January 1, 2018

Boat & RV Loan Rates

Type/Model Years Terms Up To Fixed APR*
As Low As
Sample Monthly
Payment for $40,0001
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 without notice. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans. 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. Loan and membership eligibility apply. 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 apply for the auto loan via our Online Application.

1Payment examples may be different due to payment protection, etc. 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 2020 Kia Forte 2WD 4D Sdn FE Automatic Transmission 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.


Personal & Secured Loans

Rates Effective: November 1, 2019

Personal & Secured Loan Rates

Type Loan
Maximum
Term
Up To
APR*
As Low As
Sample Monthly
Payment1
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 Dough2 $1,000 12 Months 16.75% $89
Fast Cash/Holiday Dough2 $2,000 12 Months 16.75% $175
Personal Loan $25,000 48 Months 5.99% $182 for $6,000
Personal Loan $25,000 60 Months 7.99% $406 for $20,000
Personal Loan $50,000 72 Months 9.99% $927 for $50,000
Personal Line of Credit $25,000 Revolving 8.25% N/A

The Fine Print

*APR = Annual Percentage Rate. Rates subject to change without notice. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications. To qualify for the additional 0.25% APR discount on a Personal Loan, members must apply online. Minimum loan amount $1,000, maximum loan amount up to $25,000.

1Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

2Qualifications: must be a member for at least 90 days. All accounts and loans must be current (not negative or delinquent) for the past six months. Direct deposit is not required. However, $1,000 in deposits every calendar month for the past two months is required. Only one Fast Cash loan per member and only one open at a time with two maximum per rolling 12 months. Must have six months of payments before it can be refinanced. This includes Holiday Dough. Only the primary account holder may apply for Fast Cash.


Home Equity Lines of Credit/Loans

Rates effective September 3, 2019

Home Equity Loan Rates

Type As Low As
APR*
Loan To Value
(LTV)
Sample Monthly
Payment for $10,000
HE Line of Credit** 4.50% 80% N/A
HE Line of Credit** 5.25% 85% N/A
HE Line of Credit** 5.25% 90% N/A
HE Line of Credit** 5.75% 95% N/A
HE Line of Credit** 6.00% 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 5.50% 80% $68.79
Equity Loan Expres - 20 Yr Term 6.25% 90% $73.09
Equity Loan Express - 20 Yr Term 7.00% 100% $77.53

The Fine Print

*APR = Annual Percentage Rate. APR is variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not exceed 18%. Exclusions and conditions 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 owners must sign the documents. All payments are applied o the lower balance first. HELOAN rates shown for LTVS 80%, 90% and 100%. Rates also available for 85% and 95% LTVs.

**Interest Rate floor = 3.75% APR

All closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1600 based on a $100,000 equity loan. If HELOC is closed within 3 years, ACFCU will add any closing costs paid on member’s behalf to member’s outstanding balance.


Credit Cards - Terms & Conditions

Rates Effective: May 1, 2018

Annual Percentage Rates (APR) & Charges

Transaction Type 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)

Credit Card Features & Rewards

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

Credit Card Fees

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. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.