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 May 15, 2008.
| |
| |
MasterCard
Regular |
MasterCard
Gold |
| Annual Percentage Rate |
12.9% APR* Fixed Rate |
9.9% APR* Fixed Rate |
| Other APRs* |
9.9% Cash Advance
9.9% Balance Transfer
|
9.9% Cash Advance
9.9% Balance Transfer
|
| Grace period for repayment
of the balance for purchases |
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 |
| Annual Fees |
None |
None |
| Minimum Finance Charge |
$.50 |
$.50 |
| Transaction Fee for
Purchases |
None |
None |
| Transaction fee
for cash advances: |
$2.00 |
$2.00 |
| Over-the-credit-limit
fee: |
None |
None |
| Late payment fee: |
$20.00 |
$20.00 |
| Return check fee: |
$20.00 |
$20.00 |
| *APR is the Annual Percentage
Rate. |
|
|
CREDIT CARD
CLEAN-UP LOAN
Up to $10,000 for qualified members. 9.90% 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
Tack-on Mortgage/Vehicles
The loan rates are the same as those listed in Vehicle Tables below.
However, consider the tax savings' affect on your interest rate
if you qualify for tax-deductible interest on a Tack-On Mortgage/Vehicle
loan at ACU.
Example: Auto rates per the following tax brackets.
|
Federal/State Tax Bracket 30%
|
|
|
3.95% |
2.77% |
4.25% |
2.98% |
4.44% |
3.11% |
Consult Your Tax Advisor
ACU Rewards
To qualify for ACU Rewards annual percentage rate (APR) for a
new or used vehicle, you may qualify for certain rewards with
the following: ACU checking with direct deposit, Payroll deduction,
ACH payment, or ACU MasterCard.
*Motorcycles are now classified with Vehicle rates
and not RV rates.
NEW
TITLED & UNTITLED VEHICLES:
2009- 2007 Model Year |
|
|
| Term |
ACU Rewards**
Fixed APR* |
Without ACU
Rewards
Fixed APR* |
2 Yrs
|
3.90% |
4.35% |
|
3 Yrs
|
3.90% |
4.35% |
|
4 Yrs
|
4.74% |
5.19% |
|
5 Yrs
|
4.74% |
5.19% |
|
6 Yrs
|
4.90% |
5.35% |
|
7 Yrs
|
6.04% |
6.49% |
|
VARIABLE
|
Rate as low as 4.35% 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
|
3.90% |
4.35% |
|
3 Yrs
|
3.90% |
4.35% |
|
4 Yrs
|
4.90% |
5.35% |
|
5 Yrs
|
4.90% |
5.35% |
|
6 Yrs
|
%
|
%
|
|
VARIABLE
|
Rate as low as 3.90% 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
|
5.19%
|
5.64%
|
|
3 Yrs
|
5.19%
|
5.64%
|
|
4 Yrs
|
5.19%
|
5.64%
|
|
5 Yrs
|
5.19%
|
5.64%
|
|
|
|
| **
Some Restrictions Apply |
| *APR is the Annual Percentage
Rate. |
|
|
|
| Term |
ACU
Rewards**
Fixed APR* |
Without
ACU Rewards
Fixed APR* |
|
2 Yrs
|
5.99%
|
6.44%
|
|
3 Yrs
|
5.99%
|
6.44%
|
|
4 Yrs
|
5.99%
|
6.44%
|
|
|
|
|
|
|
|
| **
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
|
10.30%
|
| Mobile Home |
10 Yrs
|
11.25%
|
| ACU Student Loan
- Variable Rate |
15 Yrs
|
6.05%**
|
| Cushion Loan |
1 Yr
|
8.50%
|
|
|
|
|
|
|
New money only.
** The variable
rate changes annually and is indexed to the three month
treasury bill. |
| *APR is the Annual Percentage
Rate. |
|
|
Special RV Rates are run from time to time. Please
Call for Details.
Refinance at a lower rate - $100 Charge
RV'S:
2007 & NEWER (10% Down Required)
|
|
|
| Term
|
ACU
Rewards**
Fixed APR* |
Without ACU Rewards
Fixed APR* |
3 Yrs |
4.40% |
4.85%
|
4 Yrs |
5.24% |
5.69%
|
5 Yrs |
5.24% |
5.69%
|
6 Yrs |
5.40% |
5.85%
|
7 Yrs |
6.54% |
6.99%
|
8-10 Yrs
|
8.54% |
8.99%
|
Variable
|
4.40% - 2 year fixed then variable
|
4.85% - 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. |
|
|
RV'S:
2006-2005 (10% Down Required)
|
|
|
| Term
|
ACU
Rewards**
Fixed APR* |
Without ACU Rewards
Fixed APR* |
3 Yrs |
4.40% |
4.85%
|
4 Yrs |
5.40% |
5.85%
|
5 Yrs |
6.50% |
6.95%
|
Variable
|
4.40% - 2 year fixed then variable
|
4.85% - 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
|
5.94%
|
6.39%
|
4 Yrs
|
5.94%
|
6.39%
|
5 Yrs
|
5.94%
|
6.39%
|
Variable
|
4.60% 2 year fixed then variable
|
5.05% 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
|
6.49%
|
6.94%
|
4 Yrs
|
6.49%
|
6.94%
|
Variable
|
4.80% 2 year fixed then variable
|
5.25% 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.
