Current Loan Rates
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
|
| *APR is the Annual Percentage
Rate. |
|
|
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.
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.
NEW
TITLED & UNTITLED VEHICLES:
2010 and Newer Model Year |
|
|
| 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 |
| *APR is the Annual Percentage
Rate. |
|
|
| |
| 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 |
| *APR is the Annual Percentage
Rate. |
|
|
| |
| 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 |
| *APR is the Annual Percentage
Rate. |
|
|
|
| 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 |
| *APR is the Annual Percentage
Rate. |
|
|
|
| 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 |
| *APR is the Annual Percentage
Rate. |
|
|
The following loan rates are stated as an annual
percent rate (APR) and applied as simple interest on the unpaid
balance.
| Personal
or Student Loans* |
|
|
| 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. |
| *APR is the Annual Percentage
Rate. |
|
|
*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. |
| *APR is the Annual Percentage
Rate. |
|
|
| |
| 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. |
| *APR is the Annual Percentage
Rate. |
|
|
| |
| 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. |
| *APR is the Annual Percentage
Rate. |
|
|
|
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.
|
| *APR is the Annual Percentage
Rate. |
|
|
|
Equal Housing Lender.
