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 (Updated October 1, 2015)

 

New Vehicle Loan (2015 and newer to 2014 untitled)

Maximum Amount Financed Estimated Term APR
Up to 100% Up to 36 Months as low as 1.99%*
Up to 100% Up to 60 Months as low as 2.24%*

Ask about our longer terms today!

Get pre-approved for your vehicle loan so you can shop with confidence!
*Rates reflect .25% APR off for auto pay from a Jersey Shore checking account with direct deposit.


Used Vehicle Loan (2014 titled, 2013, and 2012)

Maximum Amount Financed Estimated Term APR
Up to 100% Up to 60 Months as low as 2.49%*

Longer terms and older car financing available. Ask for details today.

Get pre-approved for your vehicle loan so you can shop with confidence!
*Rates reflect .25% APR off for auto pay from a Jersey Shore checking account with direct deposit. Mileage may limit term. Mileage over 80,000 will increase rates.

New Recreational Vehicles (2015 - NEWER & 2014 UNTITLED)

Maximum Amount Financed Estimated Term
APR
Up to 100% Up to 60 Months as low as 4.99%
Get pre-approved for your Recreational Vehicle loan so you can shop with confidence! Longer terms available.


Used Recreational Vehicles 2014 titled and older

Maximum Amount Financed Estimated Term APR
Up to 100% Up to 60 Months as low as 5.99%
Get pre-approved for your Recreational Vehicle loan so you can shop with confidence! Longer terms available.


New Boats (2015 - NEWER & 2014 UNTITLED)

 

Maximum Amount Financed Estimated Term
APR
Up to 100% Up to 60 Months as low as 4.99%
Get pre-approved for your Boat loan so you can shop with confidence! Longer terms available.


Used Boats 2014 titled and older

Maximum Amount Financed Estimated Term
APR
Up to 100% Up to 60 Months as low as 5.99%
Get pre-approved for your Boat loan so you can shop with confidence! Longer terms available.


New Motorcycles (2015 – NEWER & 2014 UNTITLED)

 

Maximum Amount Financed Estimated Term APR
Up to 100% Up to 60 Months as low as 4.99%
Get pre-approved for your Motorcycle loan so you can shop with confidence! Longer terms available.


Used Motorcycles 2014 titled and older

Maximum Amount Financed Estimated Term APR
Up to 100% Up to 60 Months as low as 5.99%
Get Pre-approved for your Motorcycle loan so you can shop with confidence! Longer terms available.


Credit Builder Loan

 

Maximum Amount Financed Estimated Term
APR*
$300 - $5,000 Up to 48 Months 12.00%

This loan is designed to improve your credit worthiness. Click here for details.


Personal Loan

Maximum Amount Financed Estimated Term APR*
$500 - $20,000 Up to 60 Months as low as 8.5%
Get a personal loan for any reason. Borrow for vacations, wedding, furniture, new computer, to pay off high rate bills from other financial institutions, or for any other reason.


Line of Credit

Maximum Amount Financed Estimated Term < APR
$500-$5,000 Line of Credit - Revolving 14.50%

 

Share & Share Certificate Secured

Maximum Amount Financed Estimated Term APR
Up to 100% Up to 60 Months 2.00% above dividend rate being earned


Home Equity Loan Fixed Closed-End Program (Rates 1.00% APR higher for Investment Properties)

Maximum Amount Financed Estimated Term APR
70% up to $250,000 Up to 60 Months as low as 3.49%

Up to 84 Months as low as 3.99%

Up to 120 Months as low as 4.25%

Up to 180 Months as low as 4.50%
80% up to $250,000* Up to 60 Months as low as 4.50%

Up to 84 Months as low as 4.75%

Up to 120 Months as low as 5.25%

Up to 180 Months as low as 5.75%
With our closed-end Home Equity Loan you can borrow a set amount for any reason. Contact us for complete details.
*80% Available to 1st lien position only.


Home Equity Line of Credit (Variable Rate APR)

Maximum Amount Financed Estimated Term APR
70% up to $250,000 Open End as low as 3.50%
80% up to $250,000 Open End as low as 3.50%
Our variable-rate Home Equity Line of Credit allows you to establish your credit limit up to $250,000. Use it for any reason. Contact us for complete details.
*80% Available to 1st lien position only.

*APR = Annual Percentage Rate.

 


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)
  Records Research Charge (Non-Members) $35.00 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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