Rates | ACFCU | Arlington Community Federal Credit Union

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Rates

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Savings Rates - New high rates!

  • Savings and Checking Account
    calendar Rates Effective: July 1, 2022
    Rates for Savings & Checking Accounts
    Account Type Annual Percentage Yield (APY) Minimum to Earn Dividends Minimum Opening Balance
    Account Type Share Savings Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $100 Minimum Opening Balance $5
    Account Type Youth Accounts Annual Percentage Yield (APY) .05% Minimum to Earn Dividends None Minimum Opening Balance $5
    Account Type Money Market Savings Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $0 - $2,499.99 Minimum Opening Balance None
    Account Type Money Market Savings Annual Percentage Yield (APY) .25% Minimum to Earn Dividends $2,500 - $9,999.99 Minimum Opening Balance $2,500
    Account Type Money Market Savings Annual Percentage Yield (APY) .40% Minimum to Earn Dividends $10,000 - $24,999.99 Minimum Opening Balance $10,000
    Account Type Money Market Savings Annual Percentage Yield (APY) .50% Minimum to Earn Dividends $25,000 - $74,999.99 Minimum Opening Balance $25,000
    Account Type Money Market Savings Annual Percentage Yield (APY) .60% Minimum to Earn Dividends $75,000 + Minimum Opening Balance $75,000
    Account Type Special Club Accounts Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $100 Minimum Opening Balance None
    Account Type IRA Savings Annual Percentage Yield (APY) .50% Minimum to Earn Dividends None Minimum Opening Balance None
    Account Type Free Rewards Checking Annual Percentage Yield (APY) N/A Minimum to Earn Dividends N/A Minimum Opening Balance $0
    Account Type Checking - Regular Annual Percentage Yield (APY) None Minimum to Earn Dividends None Minimum Opening Balance None

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

    FREE REWARDS CHECKING: Cash back is calculated based on the total dollar amount of qualifying debit card transactions. Account will not be interest bearing. 1% cash back on first $1,000 in transactions. Maximum cash back is $10. Up to $10 of ATM fees reversed if reward criteria is met. For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe & Sign, PIN, and Debit Bill Pay transactions must have cleared account by the end of the month. Standard fees will apply such as an account that has been inactive for longer than 12 months. No overdraft fees on transactions up to $30 for debit card transactions only. ACH transactions do not have a $30 grace before a fee is charged. Membership required. Federally insured by NCUA.

  • Jumbo Share & IRA Certificates
    calendar Rates Effective: June 24, 2022
    Jumbo Certificate Rates
    Term Annual Percentage Yield (APY) Minimum to Earn Dividends Minimum Opening Balance
    Term 6 Month Jumbo Certificate Annual Percentage Yield (APY) 0.45% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000
    Term 12 Month Jumbo Certificate Annual Percentage Yield (APY) 1.00% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000
    Term 24 Month Jumbo Certificate Annual Percentage Yield (APY) 2.75% Minimum to Earn Dividends $100,000 Minimum Opening Balance $100,000

    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.

    Applies to Traditional and Roth only.

  • Share & IRA Certificates
    calendar Rates Effective: June 24, 2022
    Share & IRA Certificate Rates
    Term Annual Percentage Yield (APY) Platinum APY Minimum to Earn Dividends Minimum Opening Balance
    Term 6 Month Certificate Annual Percentage Yield (APY) 0.35% Platinum APY 0.45% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 12 Month Share Builder Certificate Annual Percentage Yield (APY) 0.90% Platinum APY 1.00% Minimum to Earn Dividends $25 Minimum Opening Balance $500
    Term 12 Month Certificate Annual Percentage Yield (APY) 0.90% Platinum APY 1.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 15 Month Certificate Annual Percentage Yield (APY) 2.05% Platinum APY 2.15% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 15 Month Certificate (No Penalty)1 Annual Percentage Yield (APY) 1.95% Platinum APY 2.05% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 18 Month Certificate Annual Percentage Yield (APY) 2.15% Platinum APY 2.25% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 24 Month Certificate Annual Percentage Yield (APY) 2.65% Platinum APY 2.75% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 36 Month Certificate Annual Percentage Yield (APY) 2.40% Platinum APY 2.50% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 48 Month Certificate Annual Percentage Yield (APY) 1.90% Platinum APY 2.00% Minimum to Earn Dividends $500 Minimum Opening Balance $500
    Term 60 Month Certificate Annual Percentage Yield (APY) 2.00% Platinum APY 2.15% Minimum to Earn Dividends $500 Minimum Opening Balance $500

    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.

    Applies to Traditional, Roth, and Coverdell Savings Accounts, too.

    1The 15 month certificate has no penalty when balance is withdrawn anytime during the term. Not eligible for IRA certificates.

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Loan Rates

  • Mortgages
  • Home Equity Lines of Credit & Loans
    calendar Rates Effective: July 1, 2022
    Home Equity Loan Rates
    Type As Low As APR* Loan To Value (LTV) Sample Monthly Payment for $10,000
    Type Home Equity Line of Credit1 As Low As APR* 4.75% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit1 As Low As APR* 5.25% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit1 As Low As APR* 5.75% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 N/A
    Type Equity Loan Express - 10 Year Term As Low As APR* 5.625% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $109
    Type Equity Loan Express - 10 Year Term As Low As APR* 6.375% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $112
    Type Equity Loan Express - 10 Year Term As Low As APR* 6.625% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $114
    Type Equity Loan Express - 15 Year Term As Low As APR* 6.000% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $84
    Type Equity Loan Express - 15 Year Term As Low As APR* 6.750% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $88
    Type Equity Loan Express - 15 Year Term As Low As APR* 7.000% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $89
    Type Equity Loan Express - 20 Year Term As Low As APR* 6.250% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $73
    Type Equity Loan Express - 20 Year Term As Low As APR* 7.000% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $77
    Type Equity Loan Express - 20 Year Term As Low As APR* 7.250% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $79

    *APR = Annual Percentage Rate.

    1HELOC Rate is variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not be less than 3.75% and will not exceed 18%. Exclusions and limitations apply. Interest charges apply only when you use the line. Offer available only on owner-occupied, single-family, residential real property located in VA, MD, and D.C. Property insurance required. ACFCU must obtain a valid first or second lien position on the collateral and all owners must sign the documents. All payments are applied to the lower balance first. All closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1,600 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.

  • Auto Loans
    calendar Rates Effective: June 24, 2022
    New & Used Car Loan Rates
    Type & Model Years Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,000
    Type & Model Years New & Used: 2015 and Newer Terms Up To 36 Months Fixed APR* As Low As 3.69% Sample Monthly Payment for $20,000 $588
    Type & Model Years New & Used: 2015 and Newer Terms Up To 60 Months Fixed APR* As Low As 5.24% Sample Monthly Payment for $20,000 $380
    Type & Model Years New & Used: 2015 and Newer Terms Up To 72 Months Fixed APR* As Low As 6.24% Sample Monthly Payment for $20,000 $334
    Type & Model Years New & Used: 2015 and Newer Terms Up To 84 Months Fixed APR* As Low As 7.24% Sample Monthly Payment for $20,000 $304
    Type & Model Years New & Used: 2015 and Newer Terms Up To 96 Months Fixed APR* As Low As 7.74% Sample Monthly Payment for $20,000 $700 (minimum loan amount $50,000)
    Type & Model Years Older Model Cars: 2014 and Older Terms Up To 36 Months Fixed APR* As Low As 4.69% Sample Monthly Payment for $20,000 $597
    Type & Model Years Older Model Cars: 2014 and Older Terms Up To 60 Months Fixed APR* As Low As 6.24% Sample Monthly Payment for $20,000 $389
    Type & Model Years Older Model Cars: 2014 and Older Terms Up To 72 Months Fixed APR* As Low As 7.24% Sample Monthly Payment for $20,000 $343
    Type & Model Years Older Model Cars: 2014 and Older Terms Up To 84 Months Fixed APR* As Low As 8.24% Sample Monthly Payment for $20,000 $314

    *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit qualifications.

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

  • Credit Cards
    calendar Rates Effective: July 1, 2022
    Consumer Credit Card Annual Percentage Rates (APR) & Charges
    Transaction Type Signature Platinum Classic
    Transaction Type Purchases Signature As Low As 13.25% APR* Platinum As Low As 12.25% APR* Classic As Low As 10.50% APR*
    Transaction Type Cash Advances Signature As Low As 13.25% APR* Platinum As Low As 12.25% APR* Classic As Low As 10.50% APR*
    Transaction Type Balance Transfers Signature As Low As 13.25% APR* Platinum As Low As 12.25% APR* Classic As Low As 10.50% APR*
    Transaction Type Grace period for repayment of balances of purchases Signature 25 days on average Platinum 25 days on average Classic 25 days on average
    Transaction Type The Balance of Purchases Signature Average daily balance (including new purchases) Platinum Average daily balance (including new purchases) Classic Average daily balance (including new purchases)

    Rates and fees for consumer credit cards only. Does not apply to business credit cards. The information about the costs of these Visa® programs described above is accurate as of July 1, 2022. 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.

    calendar Rates Effective: July 1, 2022
    Consumer Credit Card Features & Rewards
    Features & Benefits Signature Platinum Classic
    Features & Benefits Technology Signature Contactless card with new card alerts and card controls Platinum Contactless card with new card alerts and card controls Classic Contactless card with new card alerts and card controls
    Features & Benefits Credit Line Signature Up to $30,000 Platinum Up to $30,000 Classic Up to $30,000
    Features & Benefits Cardholders Signature Single or joint account, authorized users Platinum Single or joint account, authorized users Classic Single or joint account, authorized users
    Features & Benefits Intro Offer Signature 1.99% APR* for 12 months on balance transfers made in first 90 days of account opening 40,000 points when you spend $3,000 in first 90 days of account opening. Platinum 1.99 % APR* for 12 months on balance transfers made in first 90 days of account opening 20,000 points when you spend $1,500 in first 90 days of account opening. Classic N/A
    Features & Benefits Rewards Points Signature Earn 3 points per $1 for travel, dining, groceries, and gas. Earn 1.5 points per $1 on all other purchases. Platinum Earn 2 points per $1 for dining, groceries, and gas. Earn 1 point per $1 on all other purchases. Classic N/A
    Features & Benefits Rewards Options Signature Redeem for cash, travel, merchandise, gift cards, etc. Platinum Redeem for cash, travel, merchandise, gift cards, etc. Classic N/A
    Features & Benefits Point Limits Signature None Platinum None Classic N/A
    Features & Benefits Point Expiration Signature 5 years Platinum 5 years Classic N/A

    Rates and fees for consumer credit cards only. Does not apply to business credit cards. The information about the costs of these Visa® programs described above is accurate as of July 1, 2022. 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.

    calendar Rates Effective: July 1, 2022
    Consumer Credit Card Fees
    Fees Signature Platinum Classic
    Fees Annual Fee Signature None Platinum None Classic None
    Fees Account Set-up Fee Signature None Platinum None Classic None
    Fees Cash Advance Fee Signature 2% no minimum/no maximum Platinum 2% no minimum/no maximum Classic 2% no minimum/no maximum
    Fees Late Payment Fee Signature $29 Platinum $29 Classic $29
    Fees Foreign Transaction Fee Signature None Platinum 1% of transaction amount Classic 1% of transaction amount

    Rates and fees for consumer credit cards only. Does not apply to business credit cards. The information about the costs of these Visa® programs described above is accurate as of July 1, 2022. 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.

  • Personal Loans
    calendar Rates Effective: July 22, 2022
    Personal & Secured Loans
    Type Loan Maximum Term Up To APR* As Low As Sample Monthly Payment1
    Type Savings Secured Loan Maximum Available Savings Balance Term Up To Varies APR* As Low As Earned Rate + 3% Sample Monthly Payment1 NA
    Type Certificate Secured Loan Maximum Certificate Balance Term Up To Remainder of Certificate Term APR* As Low As Rate + 3% Sample Monthly Payment1 NA
    Type Fast Cash2 Loan Maximum $1,000 Term Up To 12 Months APR* As Low As 16.78% Sample Monthly Payment1 $87 for $1,000
    Type Personal Loan Loan Maximum $10,000 Term Up To 48 Months APR* As Low As 7.99% Sample Monthly Payment1 $170.86 for $7,000 or $24.41 per $1,000
    Type Personal Loan Loan Maximum $20,000 Term Up To 60 Months APR* As Low As 8.99% Sample Monthly Payment1 $207.54 for $10,000 or $20.75 per $1,000
    Type Personal Loan Loan Maximum $50,000 Term Up To 72 Months APR* As Low As 9.49% Sample Monthly Payment1 $456.74 for $25,000 or $18.27 per $1,000
    Type Personal Line of Credit Loan Maximum $25,000 Term Up To Revolving APR* As Low As 8.25% Sample Monthly Payment1 NA

    *APR = Annual Percentage Rate. Rate subject to change without notice. Rates effective as of July 22, 2022. Members who apply online will receive a 0.25% APR discount on a Personal Loan. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications and apply online. Minimum loan amount $1,000. Maximum loan amount $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.

    2Must be a member for at least 90 days to qualify for a Fast Cash Loan. 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. Current Fast Cash must have 6 months of payments before it can be refinanced. Hardship Fast Cash or VHC Fast Cash do NOT count towards the 2 per year, and do NOT have to be paid off with proceeds of a Fast Cash loan. For members who don’t have a current Fast Cash we will only allow one Fast Cash loan for a maximum balance of $1,000. Only the primary account holder may apply for Fast Cash. $1,000 Fast Cash with 8.99% interest rate + $40 finance charge = 16.73% APR total. Monthly payment amount = $87.44. Payment is based on first due date in 30 days. Not all members qualify for payment deferment. Interest will continue to accrue during the payment deferment period. Deferred payments may not exceed 45 days.

  • Boat & RV Loans
    calendar Rates Effective: June 24, 2022
    Boat & RV Loan Rates
    Model Year Terms Up To Fixed APR* As Low As Sample Monthly Payment for $40,000
    Model Year 10 Years old or Newer Terms Up To 96 Months (loans up to $50,000) Fixed APR* As Low As 8.00% Sample Monthly Payment for $40,000 $565
    Model Year 10 Years old or Newer Terms Up To 120 Months (loans up to $150,000) Fixed APR* As Low As 8.75% Sample Monthly Payment for $40,000 $501
    Model Year 10 Years old or Newer Terms Up To 144 Months (loans up to $200,000) Fixed APR* As Low As 9.75% Sample Monthly Payment for $40,000 $472

    *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 ACFCU 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.

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

  • Motorcycle Loans
    calendar Rates Effective: June 24, 2022
    Motorcycle Loan Rates
    Model Year Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,000
    Model Year New & Used: 2015 and Newer Terms Up To 36 months Fixed APR* As Low As 5.69% Sample Monthly Payment for $20,000 $606
    Model Year New & Used: 2015 and Newer Terms Up To 60 Months Fixed APR* As Low As 7.24% Sample Monthly Payment for $20,000 $398
    Model Year New & Used: 2015 and Newer Terms Up To 72 Months Fixed APR* As Low As 8.24% Sample Monthly Payment for $20,000 $353
    Model Year New & Used: 2015 and Newer Terms Up To 84 Months Fixed APR* As Low As 9.24% Sample Monthly Payment for $20,000 $324 (minimum loan amount $35,000)

    *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 ACFCU 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.

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

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Business Rates

  • Credit Cards
    calendar Rates Effective: October 15, 2021
    Transaction Type Platinum Rewards
    Transaction Type Purchases Platinum Rewards Rates as low as 11.00%
    Transaction Type Cash Advances Platinum Rewards Rates as low as 11.00%
    Transaction Type Balance Transfers Platinum Rewards Rates as low as 11.00%
    Transaction Type Grace period for repayment of balances of purchases Platinum Rewards 25 days on average
    Transaction Type The Balance of Purchases Platinum Rewards Average daily balance (including new purchases)

    Rates and fees for business credit cards only. Does not apply to consumer credit cards. The information about the costs of these Visa® programs described above is accurate as of October 15, 2021. 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.

    calendar Rates Effective: October 15, 2021
    Business Credit Card Features & Rewards
    Features & Benefits Platinum Rewards
    Features & Benefits Technology Platinum Rewards Contactless cards with EMV chips for additional layer or protection against fraud
    Features & Benefits Credit Line Platinum Rewards Up to $50,000
    Features & Benefits Cardholders Platinum Rewards Single or joint account, authorized users
    Features & Benefits Rewards Points Platinum Rewards Earn 1 Point for every dollar on all purchases
    Features & Benefits Rewards Options Platinum Rewards Redeem for cash, travel, merchandise, gift cards
    Features & Benefits Point Limits Platinum Rewards None
    Features & Benefits Point Expiration Platinum Rewards 5 Years

    Rates and fees for business credit cards only. Does not apply to consumer credit cards. The information about the costs of these Visa® programs described above is accurate as of October 15, 2021. 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.

    calendar Rates Effective: October 15, 2021
    Business Credit Card Fees
    Fees Platinum Rewards
    Fees Annual Fee Platinum Rewards None
    Fees Account Set-Up Fee Platinum Rewards None
    Fees Cash Advance Fee Platinum Rewards 2%
    Fees Balance Transfer Fee Platinum Rewards 2%
    Fees Late Payment Fee Platinum Rewards $29
    Fees Foreign Transaction Fee Platinum Rewards Up to 1% of transaction amount

    Rates and fees for business credit cards only. Does not apply to consumer credit cards. The information about the costs of these Visa® programs described above is accurate as of October 15, 2021. 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.

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.