Rates & Fees

Rates in effect as of 5/15/2013 and are subject to change without notice.

Savings Rates

 

 

 Tier Balance Range

 APY (Annual Percentage Yield)

 Regular Share and Holiday Club Accounts

$ 0.00 to $ 999.99

0.05%

 

$ 1,000.00 to $ 4,999.99

0.05%

 

$ 5,000.00 to $ 24,999.99

0.05%

 

$ 25,000.00 to  $ 49,999.99

0.05%

 

$ 50,000.00 and greater 

0.25%

     

  Term

  APY (Annual Percentage Yield)

 
Term
  APY (Annual Percentage Yield)
Share Certificates (minimum $1,000 deposit)

Share Certificates (minimum $25,000 deposit)

6 months

0.20%

   

9 months

0.20%

   

12 months

0.40%

12 months

0.65%

18 months

0.40%

18 months

0.65%

24 months

0.40%

24 months

0.65%

36 months

0.40%

36 months

0.65%

48 months

0.40%

48 months

0.65%

60 months

0.40%

60 months

0.65%

All savings and certificate account dividends are paid "Day of Deposit to Day of Withdrawal." These dividends are compounded daily and credited to the account monthly.

Non- certificate account dividends are variable and may change after the account is opened. Certificate dividend rates are fixed for the term of the certificate, unless otherwise noted. Dividends are determined by the ACFFCU Board of Directors. Payment of dividends are based on the availability of funds, not guaranteed and subject to change without notice. Early withdrawal of a Certificate's principal balance is subject to penalties.


Loan Rates

APR = Annual Percentage Rate.

  Term APR
Personal Loans
  Unsecured Up to 36 months as low as 6.25%*
  Unsecured Over 36 months as low as 6.75%*
   
  Fully secured by shares Up to 36 months 3.95%
  Fully secured by shares Over 36 months 4.20%
 
New Auto, Motorcycle Loans
  Up to 80% financing   as low as 2.75%*
  80% to 90% financing   as low as 3.00%*
  90% to 100% financing   as low as 3.25%*
Used Auto, Motorcycle Loans
  Up to 80% financing   as low as 3.75%*
  80% to 90% financing   as low as 4.00%*
  90% to 100% financing   as low as 4.25%*
       
New Recreational Vehicle Loans Up to 144 months as low as 4.75%*
Used Recreational Vehicle Loans Up to 120 months

as low as 5.50%* Up to 80% financing

as low as 6.25%*  80% to 100% financing

       
Home Equity Loans
  Home Equity Line of Credit (variable rate, open-end) Equal to Prime Rate**
  Fixed-rate, closed-end 12 to 60 months as low as 4.99%*
  Fixed-rate, closed-end 61 to 120 months as low as 5.49%*

* "The rate for this product is determined by applicant credit, payment history and collateral. Your actual rate may vary."

**The Home Equity Line of Credit Loan rate is based on prime rate as listed in the Wall Street Journal on a specific date each month. Contact the Credit Union for complete details.


Fee Schedule (All fees are set by the ACFFCU Board Of Directors and are subject to change without notice.)

Fees listed are per item unless otherwise noted.

Checking Accounts
  Overdraft protection transfer (per transfer) $5.00
  Stop payment (individual or non-consecutive) $12.00
  Stop payment (on consecutive range of checks) $25.00
  Certified check $5.00
  Returned checks and ACH transmissions $20.00
  Microfilm copy $3.00
     
HOTLINE Audio Response System
  System access No charge
  Per-transaction fee No charge
     
ON-LINE HOTLINE Internet Home Banking
  Enrollment Fee No Charge
  Monthly service charge No Charge
     
HOTPAY Bill Payment Service
  Enrollment fee Waived (normally $10)
  Monthly service charge (no limit on no. of items paid) $3.95
  Returned item fee $10.00
  Stop payment fee $40.00
  Insufficient funds fee (NSF) $20.00
  Overdraft transfer $5.00
   Investigation Fee  $40.00
FlashCard VISA Debit Card
  Card fee No charge
  Point of sale charge No charge
  ATM transaction fee No charge *  **
  Overdraft transfer $5.00
  Insufficient funds fee (NSF) $20.00
  Replacement card No Charge
     
Money Orders
  Per money order charge $1.00
  Stop payment $8.00
  Return item $5.00
  Microfilm copy $5.00
  Information retrieval $5.00
 
Cashier's Check
  Per check charge $5.00
     
Wire Transfers
  Outgoing Wires $15.00
  Incoming Wires No Charge
  International Wires $40.00
(Plus any other charges assessed by our processor)
     
Western Union Wire Transfer
  United States only $25.00
  International, less than $500 $30.00
  International, more than $500 $25.00 + 2% of principal
     
Photocopies of Member Statements
  Per Page $1.00
 
Returned Check (Deposited at the Credit Union)
  Per Check Returned $20.00
 
Other Services
  Sending a Fax  
    First page $2.50
    Each additional page $1.00
  Receiving a Fax $1.00 (per page)
  Notary Service No Charge
     
Miscellaneous Fees and Charges
  Loan Refinancing Fee (if applicable) $25.00
  Checking Account Statement Balancing Assistance $25.00 per hour
(1 Hour minimum)
  Records Research Charge $25.00 per hour
(1 Hour minimum)
  Liens, Levies and Attachment $25.00 
  Escheat Fee (Applies to abandoned accounts when property will escheat to the state)

$75.00

  Bad Address Fee $10.00 per quarter
  Inactive Account Fee $10.00 per quarter

*ATM-owners may assess surcharges. These charges are assessed at the time of the transaction or passed through to your account.

**International Transactions are subject to VISA International Service Fees. These fees are "passed through" and are charged to your account when received from VISA.

All of the above products and rates are set by the ACFFCU Board Of Directors and are subject to change without notice.

 

 

 
 
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