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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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