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Current Loan Rates

QUICK LINKS: MasterCard | Vehicle | Personal | Recreation Vehicles

We keep our rates posted online for your convenience in making financial decisions. Realize rates are subject to change so please contact the credit union with questions. The following rates are stated as annual percentage rate (APR) and applied as simple interest on the unpaid balance.

All Rates Are Subject To Change Without Notice.   All Rates Effective February 1, 2012.

MasterCard Regular
MasterCard Gold
VISA Classic
Annual Percentage Rate
12.9% APR*
9.9% APR*
7.75% APR* Variable Rate
Other APRs*
12.9% Cash Advance
12.9% Balance Transfer
9.9% Cash Advance
9.9% Balance Transfer
7.75% Cash Advance 7.75% Balance Transfer
Grace period for repayment of the balance for purchases
25 days from
billing date
25 days from
billing date
25 days from
billing date
Method of computing the balance for purchase
Average daily balance, including purchases
Average daily balance, including purchases
Average daily balance, including purchases
Annual Fees
None
None
None
Minimum Finance Charge
$.50
$.50
$.50
Transaction Fee for Purchases
None
None
None

Transaction fee for cash advances:

$2.00
$2.00
$2.00
Over-the-credit-limit fee:
None
None
None
Late payment fee:
$20.00
$20.00
$20.00
Return check fee:
$22.00
$22.00
$22.00

CREDIT CARD CLEAN-UP LOAN
Up to $10,000 for qualified members. 10.35% APR, Term 4-years.

Have additional cash on hand by using the Holiday Skip Payment. If you have one or several consumer loans with ACU, you can skip one month’s payment per loan in November, December, or January at no cost. Mortgage loans are not eligible.

For your convenience, application forms for all of the ACU Holiday programs are on the back of this page and can also be found online at www.alliantcu.com under “Applications”.


FREE Annual Credit Report

CREDIT REBUILDER
If you've suffered financial hardships, and your credit report has suffered as a result of these hardships, ACU can help with our Credit Rebuilder program. Contact a loan officer for details.
$500 Advance, NO Credit Check, Must have Direct Deposit.

Calculate GAP and Extended Warranty Through A
Cuna Mutual Calculator

 

ACU Rewards
To qualify for the ACU Rewards annual percentage rate (APR) for a new or used vehicle, you may qualify for certain rewards when you use the following Credit Union services and products: ACU checking with direct deposit, Payroll deduction, ACH payment, ACU MasterCard, financing the trade value or 10% down.

*Motorcycles are now classified with Vehicle rates and not RV rates.
Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
2.99%
3.69%
3 Yrs
2.99%
3.69%
4 Yrs
2.99%
3.69%
5 Yrs
2.99%
3.69%
6 Yrs
3.49%
4.19%
7 Yrs
5.99%
6.69%
VARIABLE
Rate as low as 3.24% first year fixed - quarterly variable thereafter, up to 5 year term
** Some Restrictions Apply


Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
3.44%
4.14%
3 Yrs
3.44%
4.14%
4 Yrs
3.44%
4.14%
5 Yrs
3.49%
4.19%
6 Yrs
4.99%
5.69%
VARIABLE
Rate as low as 3.69% first year fixed - quarterly variable thereafter, up to 5 year term
** Some Restrictions Apply

Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
3.49%
4.19%
3 Yrs
3.49%
4.19%
4 Yrs
3.99%
4.69%
5 Yrs
4.90%
5.60%
** Some Restrictions Apply


Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
5.24%
5.94%
3 Yrs
5.24%
5.94%
4 Yrs
5.50%
6.20%
5 Yrs
5.74%
6.44%
** Some Restrictions Apply


Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
2 Yrs
5.50%
6.45%
3 Yrs
5.50%
6.45%
** Some Restrictions Apply


.


The following loan rates are stated as an annual percent rate (APR) and applied as simple interest on the unpaid balance.

Loan Type
Maximum Term
APR* "As Low As"
Signature - Revolving Line of Credit
5 Yrs
11.75%
Mobile Home
10 Yrs
11.25%
ACU Student Loan - Variable Rate
Call for more information
Call for more information
Graduate Auto Loan - Call for details
up to 5 Yrs
3.99%
Leap Year Loan
Up to 5 Yrs
5.45%

     New money only.
** The variable rate changes annually and is indexed to the three month treasury bill.

*Property you give as security will secure all amounts owed under the loan agreement and all other loans you have with us now or in the future, except any loan secured  by your principal dwelling.  In addition to the specific property you gave ACU, ACU also has a statutory loan in all individual and joint accounts you have with ACU as well as any deposits and dividends. 


Special RV Rates are run from time to time. Please Call for Details.
Refinance at a lower rate - $100 Charge

Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
3.49%
4.19%
4 Yrs
3.49%
4.19%
5 Yrs
3.49%
4.19%
6 Yrs
3.99%
4.69%
7 Yrs
6.49%
7.19%
8-10 Yrs
8.49%
9.19%
Variable
3.49% - 2 year fixed then variable
4.19% - 2 year fixed then variable

** Some Restrictions Apply
New money only.
The variable rate changes annually and is indexed to the three month treasury bill.



Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
3.94%
4.64%
4 Yrs
3.94%
4.64%
5 Yrs
4.24%
4.69%
Variable
4.19% - 2 year fixed then variable
4.64% - 2 year fixed then variable

** Some Restrictions Apply
New money only.
The variable rate changes annually and is indexed to the three month treasury bill.



Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
3.99%
4.69%
4 Yrs
4.49%
5.19%
5 Yrs
5.40%
6.10%
Variable
4.39% - 2 year fixed then variable
4.84% - 2 year fixed then variable

** Some Restrictions Apply
New money only.
The variable rate changes annually and is indexed to the three month treasury bill.



Term
ACU Rewards**
Fixed APR*
Without ACU Rewards
Fixed APR*
3 Yrs
5.74%
6.44%
4 Yrs
6.00%
6.70%
Variable
4.59%- 2 year fixed then variable
5.04% - 2 year fixed then variable

** Some Restrictions Apply
New money only.
The variable rate changes annually and is indexed to the three month treasury bill.