Rates
Rates
Loan Rates
Auto | RV | Equity Loan | Equity Line | VISA Credit Cards | Personal | Mortgage | Secured
Automobiles, Trucks, Vans & RVs
Auto Loans as low as .99% APR* with rate discounts
now through 6/15/2012
LOWER AUTO RATES!
Rate Discounts | Vehicle Shopping Resources
Rates effective as of 5/1/2012
| Product | Term | Rates * |
| Automobiles (New & Used) | 12 to 36 mos. | 2.99% - 12.99% APR |
| 37 to 60 mos. | 3.49% - 13.49% APR | |
| 61 to 66 mos. | 3.99% - 13.99% APR | |
| New Automobiles only | 67 to 84 mos. | 4.49% - 14.49% APR |
| Recreational Vehicles (New & Used)† | up to 60 mos. | 4.99% - 14.49% APR |
| 61 to 120 mos. | 5.49% - 14.99% APR | |
| 121 to 180 mos. | 5.74% - 15.24% APR |
* Your rate will be based on your personal credit history & rate discounts.
† Term based on type of collateral.
APR=Annual Percentage Rate
Rate Discounts - Lower your rate by as much as 2% through 6/15/2012
1% off for loans $10,000 or more & on vehicle models 2007 or newer
.50% off with 20% cash down payment
.25% off with Direct deposit and automatic payments
.25% off if you have or open an ACU Visa Credit Card
.25% off if you have or open an ACU Checking account with Bill Pay
2% maximum rate discount. Discounts do not apply on existing ACU vehicle loans.
Home Equity Loans
| Home Equity Line-of-Credit |
1.99% 120-day Introductory APR
Followed by a variable APR* thereafter based on credit line, see current rates below |
Rates effective as of 5/1/2012
| Line-of-Credit | Rates | Index / Margin |
| $10,000 - $24,999.99 | 5.00% APR | Prime +.25% |
| $25,000 - $49,999.99 | 5.00% APR | Prime |
| $50,000 - $99,999.99 | 5.00% APR | Prime - .50% |
| $100,000 and above | 5.00% APR | Prime - 1.0% |
Rates shown above are based on a loan-to-value (LTV) of 85% or less. If the LTV exceeds 85%, add 1% to the current rate and the introductory rate does not apply. 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 12 months.
*Maximum APR is 16%. Floor rate is 5% APR.
Prime Rate according to the Wall Street Journal as of 3/29/12 was 3.25%
Fixed Rate Home Equity Loans
Rates effective as of 5/1/2012
| Term | Rates |
| 5 Year | 6.24% APR |
| 7 Year | 6.49% APR |
| 10 Year | 6.74% APR |
| 15 Year | 6.99% APR |
| 7 Year Balloon* | 6.74% APR |
Rates shown above are based on a loan-to-value (LTV) of 85% or less. If the LTV exceeds 85%, add 1% to the current rate and the introductory rate does not apply. 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 12 months.
* 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.
For additional information contact our Home Equity Specialist at (815) 267-7716.
Personal Loans
Take .25% off your rate if you repay with automatic payments from direct deposit
Rates effective as of
5/1/2012
| Product | Rates | Term |
| Fixed Term | 9.9% - 16.9% APR * | 60 month maximum |
| Readi-Cash Line-of-Credit | 13.90% APR | Open |
* Rate based on applicant's personal credit history.
Other Secured Loans
Rates effective as of 5/1/2012
| Share Certificate Loans | 3.00% APR over Share Certificate Rate |
| Share Secured Loans | 3.10% APR |
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