Rates

Loan Rates

Auto & RV | Equity Loan | Equity Line | VISA Credit Cards | Personal | Mortgage | Secured
Student Loans 

Auto Loans as low as 1.99% APR*
Automobiles, Trucks, Vans & RVs

Auto & RV Loans

LOWER AUTO RATES!
Vehicle Shopping Resources

Rates effective as of 8/1/2016

Product Term Rates *
Automobiles (New & Used) 12 to 36 mos. 1.99% - 11.99% APR
  37 to 60 mos. 2.49% - 12.49% APR
  61 to 72 mos. 2.99% - 12.99% APR
New Automobiles only 73 to 84 mos. 3.49% - 13.49% APR
Recreational Vehicles (New & Used) up to 60 mos. 3.99% - 13.99% APR
61 to 120 mos. 4.49% - 14.49% APR
121 to 180 mos. 4.99% - 14.99% APR
Payment Example/Calculator Apply Online Now
Interest Rate:

% APR
 
Loan Term:

months
 
Loan Amount:
$

 
Monthly Payment:
$
Change the fields above to calculate your payment.

* Your rate will be based on your personal credit history. 
Term based on type of collateral.

APR=Annual Percentage Rate

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Home Equity Lines & Loans

Rates effective as of 8/1/2016
 

20 Year Line-of-Credit (5 year draw - 15 year repayment)  

Line-of-Credit Rates* Index/Margin
$10,000 - $24,999.99 5.00% APR Prime + 1.5%
$25,000 - $49,999.99 4.50% APR Prime + 1%
$50,000 - $99,999.99 4.00% APR Prime + .50%
$100,000 and above 3.90% APR Prime

Rates shown above are based on a loan-to-value (LTV) of 80% or less. If the LTV exceeds 80%, add 1% to the current rate. There is a $50 annual maintenance fee on a line of credit that is waived for the first year. An early closure fee up to $350 will be assessed if you pay off and close your Home Equity Line-of-Credit or Home Equity Loan within the first 36 months.

*Maximum APR is 18%. Floor rate is 3.9% APR.

30 Year Line-of-Credit (10 year draw - 20 year repayment)  

Line-of-Credit Rates* Index/Margin
$10,000 - $24,999.99 5.50% APR Prime + 2.0%
$25,000 - $49,999.99 5.00% APR Prime + 1.5%
$50,000 - $99,999.99 4.50% APR Prime + 1.0%
$100,000 and above 4.00% APR Prime + .50%

Rates shown above are based on a loan-to-value (LTV) of 80% or less. If the LTV exceeds 80%, add 1% to the current rate. There is a $50 annual maintenance fee on a line of credit that is waived for the first year. An early closure fee up to $350 will be assessed if you pay off and close your Home Equity Line-of-Credit or Home Equity Loan within the first 36 months.

*Maximum APR is 18%. Floor rate is 3.9% APR.

Prime Rate according to the Wall Street Journal as of 12/16/15 was 3.50%

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Fixed Rate Home Equity Loans

Rates effective as of 8/1/2016 & are based on the amount you borrow against the value of your home

Term Up to 85% 85.01-90% 90.01-100%
5 Year 4.24% APR 5.24% APR 5.74% APR
7 Year 4.49% APR 5.49% APR 5.99% APR
10 Year 4.74% APR 5.74% APR 6.24% APR
15 Year 4.99% APR 5.99% APR 6.49% APR
7 Year Balloon* 4.74% APR 5.74% APR 6.24% APR
 
Payment Example/Calculator Apply Online Now
Interest Rate:

% APR
 
Loan Term:

months
 
Loan Amount:
$

 
Monthly Payment:
$
Change the fields above to calculate your payment.

* Payments may be amortized up to 30 years. The entire principal and interest balance is due at the end of the seven (7) years. At that time, you may apply to ACU to refinance your balance under the terms and conditions in effect at that time, but ACU is under no obligation to do so.

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For additional information contact our Home Equity Specialist at (815) 267-7716.
 

 


Personal Loans

 

Rates effective as of 8/1/2016

Payment Example/Calculator Apply Online Now
Interest Rate:

% APR
 
Loan Term:

months
 
Loan Amount:
$

 
Monthly Payment:
$
Change the fields above to calculate your payment.

* Rate based on applicant's personal credit history.   

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Other Secured Loans

Rates effective as of 8/1/2016

Payment Example/Calculator Apply Online Now
Interest Rate:

% APR
 
Loan Term:

months
 
Loan Amount:
$

 
Monthly Payment:
$
Change the fields above to calculate your payment.

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