Loan Rates
Auto | RV | Equity Loan | Equity Line | Credit Cards | Personal | Mortgage | Secured
Automobiles, Trucks, Vans & RVs
LOWER AUTO RATES!
Rate Discounts | Vehicle Shopping Resources
Rates effective as of 08/21/2008
| Product | Term* | Rates† |
| Automobiles (New & Used) | up to 60 mos. | 4.99% - 13.49% APR |
| New Automobiles only | 61 to 84 mos. | 5.49% - 13.99% APR |
| Recreational Vehicles (New & Used) | up to 60 mos. | 4.99% - 13.49% APR |
| 61 to 120 mos. | 5.49% - 13.99% APR | |
| 121 to 180 mos. | 5.74% - 14.24% APR |
APR=Annual Percentage Rate
RATE DISCOUNTS
.25% off if you repay through automatic payments from direct deposit
.25% off when you purchase a fuel efficient car that gets 30 miles per gallon. View a sampling of cars that qualify
* Certain restrictions apply.
† Your rate will be based on your personal credit history.
Home Equity Loans
| Home Equity Line-of-Credit | 3.99% 120-day Introductory APR Followed by a variable APR* thereafter based on credit line, see current rates below |
Rates effective as of 08/21/2008
| Line-of-Credit | Rates | Index / Margin |
| $10,000 - $24,999.99 | 5.25% 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% or property is non-owner occupied, 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 04/30/08 was 5.00%
Fixed Rate Home Equity Loans
Rates effective as of 08/21/2008
| 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% or property is non-owner occupied, 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.
VISA Credit Cards
Rates effective as of 08/21/2008
| Product | Index | Rates |
| Platinum | Prime + 1.4% | 8.25% Variable APR |
| Gold | Prime + 6.15% | 11.15% Variable APR |
| Classic | Prime + 9.15% | 14.15% Variable APR |
† The Annual Percentage Rate may vary each month. The variable rate is calculated by adding the above stated percentage for Purchases and Cash Advances to the U.S. Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the "index"). Please refer to the Prime Rate listed above.
Cash Advances: Finance charges accrue from the date the cash advance is posted to your account. Floor rates for the cards are 8.25% APR for Visa Platinum, 10.25% APR for Visa Gold, and 13.25% APR for Visa Classic.
View program comparison & choose the card that's right for you!
Personal Loans
Rates effective as of 08/21/2008
| Product | Rates | Term |
| Fixed Term | 9.90% - 14.40% APR† | 4 year maximum |
| Readi-Cash Line-of-Credit | 13.90% APR | Open |
† Your rate will be based on your personal credit history.
Other Secured Loans
Rates effective as of 08/21/2008
| Share Certificate Loans | 3.00% APR over Share Certificate Rate |
| Share Secured Loans | 3.35% APR |
| Stock Secured Loans | 4.35% APR |
