Loan Rates
Auto | RV | Equity Loan | Equity Line | VISACredit Cards | Personal | Mortgage | Secured
Automobiles, Trucks, Vans & RVs
LOWER AUTO RATES!
Rate Discounts | Vehicle Shopping Resources
Rates effective as of 2/1/2010
| 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 2/1/2010
| 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 12/16/08 was 3.25%
Fixed Rate Home Equity Loans
Rates effective as of 2/1/2010
| 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
Rates effective as of 2/1/2010
| Product | Rates | Term |
| Fixed Term | 9.9% - 14.4% APR† | 60 month 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 2/1/2010
| Share Certificate Loans | 3.00% APR over Share Certificate Rate |
| Share Secured Loans | 3.20% APR |
| Stock Secured Loans | 4.20% APR |
